davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I purchased a concert ticket through XXXX on XX/XX/XXXX for XXXX through PayPal. On XX/XX/XXXX I received an email for an invoice request for {$1400.00} I did not purchase anything that day and realized my account may have been hacked. I reach out to PayPal and change my log in information and they investigate the situation. I was skeptical about the XXXX purchase and my accounts being hacked so soon after so I reach out to them to verify that my ticket was valid and legitimate and was concerned as to why I couldnt see the ticket or XXXX code for the event. I ask for a refund explaining the situation they state they can not give me a refund even with my concerns of my PayPal account being hacked. I reach out to PayPal and fill a dispute on XX/XX/XXXX. Then I informed my bank of the situation the same day and they opened a dispute as well. My bank XXXX XXXX did a temporary chargeback on XX/XX/XXXX for {$470.00}. They did their investigation and concluded they did not see signs of fraud and reversed the chargeback on XX/XX/XXXX for {$450.00}. We are now in XXXX and PayPal is saying they can not do anything without getting notification from the bank. I provided PayPal with my bank statements showing the reversed chargeback and they are still not doing anything. XXXX states they are waiting on PayPal to unlock my account so I can resell the ticket since thats the only way I can get a refund and PayPal wont contact my bank for more information. I called my bank and they stated the dispute is closed and they wont do anything else on the case.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MA)

Someone applied for a credit card with Comenity Capital Bank under my name I was issued at hard inquiry from the credit bureaus. 
I have received a letter from Comenity the the account has been closed upon finding out the the account was opened without my authorization.

I like to have the hard inquiry erased from my credit report as I am in the process of buying a house.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (FL)

On Monday XX/XX/2023 received inquiry notice letter in mail, notifying me a credit card application process made on XX/XX/2023 was denied from TD bank. 
I researched out to the number that was provided from TD bank. Spoke with representative who transfers me to the credit department. 
After questioning the inquiry letter and the bank. I reported to the representative I did not apply for no credit card online. 
After giving all my information to verify who I was representative noticed someone fraudulent applied for a credit card in my name. I do not bank and never have banked with TD bank or never have I applied for a credit card with TD bank. TD bank ran my credit report according to the denial letter. 
Of course I would not apply because I am on a ssa fixed income and know my dept ratio is to high to even attempt to apply for any credit during this time frame. 
The online process was made on the date of XX/XX/XXXX according to TD bank representative. 
I know exactly what I did that day for the fact I had went to the XXXX for 6 mth cleaning @ XXXX XXXX And again I know I did not apply knowing my dept/ratio income. 
Please help me to find and understand how this possibly could have happen, with no ID, no telephone call from an online application to prove my identity. 
The fraudulent application had my DOB, SS #, home address. 
I dont know if it was the telephone number or the email that showed differently on their end to assure me it was fraud. 
But according to TD this is now reported as fraudulent, but this will not fix who has my information, or how they obtained it. 
I need to find what source did this and if any other attempts were made, to pursue legal actions. 
Thank you, Signed so frustrated right now! 
Your site is not allowing me to upload any documents of the notification letter that was sent to myself.
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

purchased bitcoin and erthrum coin from coinbase worth XXXX dollars to try it out and the money was frozen and they transfer from a simple debt card took days to transfer and the activity was paralysed and i lost the big gain the currency offered at the time of purchase and yet still they can not let you take your money out for next 18 days this i find really crazy and horrible plus the customer service do not respond nor answer their phone. the automated system is horrible and useless.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NV)

XX/XX/XXXX -- Purchased two airline tickets at XXXX XXXX website. A pop-up offer of {$400.00} credit immediately available if I opened an American Express Credit Card on the spot. I immediately filled out the required information and was approved for the card. 

XX/XX/XXXX -- Date of first billing. No {$400.00} credit listed on the billing statement. I called immediately. After a long and difficult time on the phone, including being told it was a XXXX problem, calling XXXX who apologized but said it was definitely an American Express problem. I called back American Express ( again, not a simple process ), and was given an " investigating case number XXXX ( or perhaps XXXX ). I was told by different people that I should call back after XXXX weeks, but later told it takes 4-6 weeks. 

XX/XX/XXXX -- told by Customer service " case is still active ; call back in 1 week. '' XX/XX/XXXX -- told again it was a XXXX XXXX problem. Again called XXXX who again apologized for the trouble, but said it way an American Express problem. 
XXXX -- told by XXXX XXXX at American Express ) to wait 7-10 business days. 

XX/XX/XXXX -- talked to XXXX, a XXXX, with no resolution yet. 

XX/XX/XXXX -- Told by XXXX that it can take up to 90 days. 

XX/XX/XXXX -- first talked to XXXX, who asked be to hold while he investigated ; after some minutes, another person, XXXX, told me she was taking over, and again I was put on hold. She eventually told me the case was settled and that it was determined I was not offered {$400.00}! This is after, somewhere along the line, I sent a screen shot of the pop-up offer of {$400.00} that showed up again when I was looking at flights at the XXXX website XXXX 

The last person I spoke with said the decision that I was not offered {$400.00} was final, and there was no more recourse through American Express.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

I sent my payment to Fortiva credit card on XX/XX/2023, from XXXX XXXX XXXXXXXX bill pay. 
According to Bank XXXX XXXX, the money was delivered on the XXXX. 
At the time, my debt was {$1400.00} and cents. Just in case, I sent them {$1500.00}. 
( If you check my payments, you will see that I tend to send more than what is owed. ) When I checked my Fortiva statement on the XXXX XXXX XXXXXXXX, I noticed no credit was shown. 
I emailed them the proof from XXXX XXXX XXXXXXXX. 
No response from Fortiva. 
All I received was a letter from them dated XX/XX/XXXX telling me that my account was past due. They had imposed late fees as well as interest charges I emailed them a second time ( the same day ) asking them to eliminate all charges and properly credit my account. Failure to do so would precipitate this action. 
As usual, no response has been sent. 
This is why this complaint is been sent. 
I have all the documents to back up my claim. 
Thank you!
Consumer complaint received 2023-05-09
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. (IL)

I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   Trans Union  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX   XXXX  Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I requested that the inquiries on my accounts be verified. I still have not received any information on these inquiries. nor has the company reponed with verification on the cfpb complaint. These are the complaint numbers that have not been responded to XXXX XXXX XXXX Those complaint were sent on XX/XX/2023
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I leased my car on XX/XX/XXXX for 36 months, due back on XX/XX/XXXX if I wasn't purchasing the car. On XX/XX/XXXX, my XXXX XXXX XXXX was stolen and not recovered until XX/XX/XXXX. XXXX, my car insurance provider, declared on XX/XX/XXXX that the car was a total loss. They requested a letter of guarantee from XXXX, being told that it would take 10-14 business days. Due to some internal issue with XXXX, this request wasn't processed until XX/XX/XXXX, which delayed the timeframe for the final payment to be paid and sent to XXXX. The payment was sent to XXXX in XXXX and applied to the account on XX/XX/XXXX. This payment was in the amount of {$29000.00} and applied to my account backdated to the date of the theft, XX/XX/XXXX. I've been in contact with all parties involved ( XXXX, XXXX, XXXX ) to stay on top of any additional payments that needed to be made to settle the account and was advised that I would need to pay XXXX as a deficiency payment. This amount was not known to the Writer until the XXXX payment was confirmed on the account. I was told that this would be the final payment, and I made that payment on the account for {$330.00} on XX/XX/XXXX. I was advised that this payment would not be due until XX/XX/XXXX. On XX/XX/XXXX, I was alerted that due to a late lease payment to XXXX, my credit score dropped XXXX points from a FICO score of XXXX to XXXX. I was told the weekend of XX/XX/XXXX that my credit was still being suppressed, but this was evidently a lie. I've since been in contact with XXXX, and they can not provide much detail to confirm why this error occurred, let alone a way to reverse the damage they've done. For the past 5 years, I've been on a waitlist to get into a COOP complex which requires me to have a XXXX or higher credit score. All this time, I've managed to keep my FICO score in the mid to high XXXX. I'm responsible and pay my bills on time during this extremely difficult period. Due to XXXX 's erroneous report of my account being past due, I now have an interview to move into an apartment complex that I will now likely be denied due to XXXX not doing their due diligence to keep my credit score suppressed. I was advised that the account stayed suppressed until the payment was applied to the account on XX/XX/XXXX. Though the requested payment of the deficiency payment was made timely and in the amount requested, I found that the XXXX XXXX was requesting a payoff payment in the amount of {$120.00} on XX/XX/XXXX, which I decided to go ahead and pay since I no longer trust that what XXXX is telling me is correct. All this time, XXXX has been requesting monthly payments under my lease contract. My next lease payment is scheduled due on XX/XX/XXXX, and I'm afraid to wake up on Monday and see what more damage they do to my credit score since they did not take care of this account timely and efficiently.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I made a transfer of {$1000.00} through Online Banking using my Chase account. Chase uses XXXX to transfer funds. On the day of the transfer, the recipient, who uses telephone number XXXX XXXX XXXX and is also a Chase customer, received a text message regarding the funds. This transfer had been successfully processed in the past to the same person. The next day the intended recipient advised me that the money was not in his account. The funds should have been immediately in the account since the transfer was already on file. After a few days of nonreceipt of funds, I initiated a claim with Chase and was provided with a provisional credit. On XXXX XXXX, my Chase account, to my surprise, was showing as overdrawn. Chase had debited the {$1000.00} and sent me a letter indicating that they had completed the research for the transaction reported on XX/XX/2019 and that the claim is now closed. That same day, I went to a Chase branch ( XXXX XXXX XXXX., XXXX XXXX, FL XXXX ) and was advised that there was nothing they could do for me since the transaction was completed through XXXX. The staff at the branch was not helpful at all. As a matter of fact, the Branch Manager kept looking at me as if I was lying. You don't know how frustrated I felt at the moment, not knowing what to do. No one was providing solutions nor suggestions. It seemed like everyone was so careless. I spent the entire night trying to contact someone higher than a representative at XXXX but they told me they couldnt assist me. I ask them to connect me to their Claims Department. They indicated to me that they didnt have one. The only thing that I know is that the funds were sent to an account holder at XXXX who has the same number as the intended recipient at Chase and no one seems to know how that happened. The intended recipient has not changed his cellular number and in the past, the same transaction was completed successfully. I need someone to assist me and/or guide me in the right directions and what actions, if any, I need to take. It appears to me that Chase nor XXXX are taking any responsibility on this matter, in accordance with the terms and conditions.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

Please note this is a follow-up Complaint to Complaint # XXXX, wherein I was complaining that HSBC would not respond or process my request for past checking account records required for my elderly and ill mother 's XXXX application. 

XXXX XXXX the XXXX Customer Experience Manager of HSBC responded to me in writing on XX/XX/22 to that complaint stating HSBC would send me the requested records within ten business days. I have not receive any records from HSBC as of yet. These records are desperately needed in order to submit my XXXX XXXX XXXX mother 's XXXX application for care that she urgently needs ( XXXX requires records going back 5 years ). HSBC 's non response/delay is DELAYING MEDICAL CARE. 

At this point I believe the bank is not responding because the accountholder ( my mother ) is elderly ( XXXX ) and is XXXX. 

Please assist as I have written HSBC more that XXXX times, called HSBC countless times, emailed HSBC 's CEO, XXXX XXXX, and submitted an earlier complaint to the XXXX to no avail.
Consumer complaint received 2023-06-30
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please repair and update ASAP.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted TransUnion Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to TransUnion on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans are duplicated and they should not be.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WY)

Approximately 10 - 12 years ago I deposited money into a new account and also had given Wells Fargo {$500.00} for overdraft protection. The employee then made multiple accounts with that money in my name. The bank manager found this out for me* - when I asked for the money back they told me.i wouldn't be allowed to have it. Also they forced me to pay - {$200.00} overdraft ( which should have been protected! ) I never asked for multiple accounts but in the news I saw around that time that Wells Fargo employees were doing this to make their " new client '' quota 's and get bigger bonuses. I was taken advantage of and to this day nothing was done to make it right.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT TRANSUNION STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-12
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: EQUIFAX, INC. (TX)

In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

My complaint is against CHASE BANK and all 3 credit bureaus ( XXXX, XXXX, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this Chase business card under a company I worked for called XXXX XXXX. But alas later at the mid-XX/XX/XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : CHASE CARD ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX    , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case Chase Bank and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that Chase Bank dont remove fradulent account from my reports.