davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I received a text message at approximately XXXX in the morning was I trying to attempt {$390.00} at a XXXX XXXX Reply XXXX or XXXX so I replied No! A little after that I received a call from XXXX was I trying to transfer {$20000.00}? I told them No! Then right after that I received yet another call from XXXX that someone was trying to transfer an additional {$5000.00} dollars at that time I asked the associate what was going on and he told me that they were attempting fraud on my account and that was all of the information he could give me. Once I hung up with him I immediately called XXXX myself and was connected with the fraud department and started asking more questions and that's where they started to fill me in that they had committed fraud on my account and they were able to stop the {$5000.00} dollars, but the {$20000.00} had gone through to someone by the name of XXXX XXXX located in XXXX Georgia ( who I absolutely do not know )! I don't know anyone in Georgia as I reside in XXXX XXXX, Tx. At that time we began my claim and they walked me through steps to delete my account and App and notified me that my account which the transfer occurred in would be frozen then terminated all together. I stood on the phone with them for hours as I talked to many individuals that day ( see call log for the XXXX attached ). My account was frozen and I had no way or means of accessing my money until I had to get another debit card for another account I had. Chase notified me that because it was over a certain amount of money, they would have to send me some paperwork to fill out so I waited. Once I received the paperwork, I filled it out and submitted it back to Chase. After waiting and waiting I finally received a response from Chase stating that they were not going to be returning my money because they found that I had voluntarily given my information out and this was my fault! So here we are! I Did Not Authorize for any amount of money to be withdrawn from my account, never gave anyone my information ( not even my own kids have that info ), never filled out any paperwork for money to be withdrawn, never spoke to anyone about withdrawing money to someone I Don't Even Know!!! That money was from an inheritance I had received from my mother whom I had lost XX/XX/XXXX. I had plans to do some things to our home that mom couldn't do because she passed on. There's No Way I would have just given that money away like that especially to someone I Don't Know!!! I asked Chase many questions but was told this was an ongoing investigation and they couldn't tell me anything! I don't know why Chase couldn't contact the other bank where the money went to, and try and reverse the transfer? I feel like my hands are tied behind my back as I am one being against the machine. All i want is my {$20000.00} back because I didn't authorize that transfer and I trusted in Chase to have my back and protect my investments with them and this happened!
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

upon checking my credit report i noticed there is a company on my report numerous times trying to collect over XXXX dollar from me i have tried to call them but no answer i dont know who they are and i have never signed a contract with them in person or electronically nor ethier any of there affiliates
Consumer complaint received 2020-11-15
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. (TX)

I have disputed several inaccurate false accounts on my consumer report with Equifax all to no avail. They have failed to conduct any account investigations in an accurate and equitable in accordance with the FCRA. They have continued to ignore my request to have these false accounts deleted from my report. This information does not belong to me and they have failed to legally validate these false accounts they are furnishing on my reports. 

XXXX XXXX XXXX. 
Amount : {$400.00}. 
Date opened : XX/XX/XXXX. 
XXXX XXXX XXXX. 
Amount : {$14000.00}. 
Date Opened : XX/XX/XXXX.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MD)

XX/XX/2020 - I received a U.S. Bank Relia Debit Card from the Colorado Department of Labor and Employment last week to receive unemployment benefits. I do not live in Colorado ; I live in Maryland. I did not EVER file for unemployment insurance, hence, I do not want or need this card. I believe this may be a case of identity fraud. I would like to deactivate this card immediately.

I tried contacting U.S. Bank Relia Card Customer Service at XXXX XXXX and could not reach a live person to deactivate the card. Rather, an automated message asked me to put in the 16-digit card number and PIN. I do not have a PIN, since I never activated the card. I also could not get to an operator to discuss any other options.

Online, I was able to email a fraud report form ( found at https : //cdle.colorado.gov/sites/cdle/files/USB_ReliaCard_Fraud_Form.pdf ) to XXXX. I also found this XXXX Form and submitted it, as well : XXXX  : XXXX ( without my social security number, since I did not feel this was a secure platform ). 

To be on the safe side, I also contacted XXXX to set fraud alerts on my accounts. I also ran a credit report through XXXX  and see that there were soft inquiries from the Colorado Department of Labor and Employment ( XX/XX/2020 ) as well as from the Ohio Department of Labor and Employment ( XX/XX/2020 ), which are both very concerning.
Consumer complaint received 2020-09-22
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. (GA)

1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX XXXX the balance on this account is incorrect and I have never been late.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (NC)

I was approach at XXXX airport by AMX personal asking me if I have Delta AMX card I told him yes, he ask me if its personal I told him yes, then he told me he can switch over to business and give me XXXX bonus miles, then I told him I do not wants to apply for new CC, he reply he is going to just change it to business not new, I got home see new CC with new account I called on XX/XX/2016 and complain AMX, AMX told me they will get back to me in 7days my ref number from AMX is ' XXXX Today XX/XX/2016 called AMX again and talk to supervisor name XXXX caller ID XXXX did not get response My compline is AMX rep. opened new account w/o my approval or lying to me and effecting my credit report
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Please read thoroughly for complaint. Response below first paragraph. 

Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. The Bank appreciates the opportunity to address the issues raised by XXXX XXXX XXXX the Customer ). The Customers complaint references a dispute related to a transaction with XXXX XXXX on XX/XX/2020 in the amount of {$2800.00}. The merchant provided evidence stating the Customer exchanged the item, received a partial credit in the amount of {$42.00} and received a gift card for the remaining credit amount of {$1400.00}. According to the merchants terms and conditions, the Customer would receive a refund credited via the original payment method if the merchandise had been returned within 14 days of purchase ; because the exchange was initiated after that time period, the Customer instead received and confirmed receipt of gift card for the difference. As part of the investigation, the Bank unsuccessfully attempted a three way call between the merchant and the Customer, but the Customer refused to speak with the merchant on a three-way call. Based on the information reviewed during the investigation, the Bank does not have any knowledge of facts confirming a billing error, and the Bank resolved the dispute in favor of the merchant on XX/XX/2020. After reinvestigation, the dispute decision will remain the same. Based on the above details, the Bank kindly requests this complaint be closed. 

-- -- Goldman Sachs has failed to properly investigate this dispute even 1 year after the date of purchase. I ordered the item online on XX/XX/XXXX, received it shipped to me on XX/XX/2020, and only returned it on XXXX XXXX, when I was still within 14 days after receipt, confirmed by postal office, and returning it. Goldman Sachs in its investigation did not even verify that this is actually an online transaction! XXXX XXXX promised me a refund back to the credit card and I am still waiting for it a year after because Goldman Sachs can not do a proper investigation and should therefore fully compensate me for the amount claimed plus any penalties for being a year late in responding.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to transunion, XXXX  and XXXX  any help here would be greatly appreciate.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (TX)

I opened a new card at AMEX. The account was opened for less than a month and AMEX requested to see my prior tax returns from the past two years. I specifically told AMEX that I had not filed my taxes yet and I requested an extension on for them. They told me I need to file my taxes and I had 15 days to do so. I filed my taxes in order to keep my account open and filled out there requested information. After the 15 days, I called AMEX and they told me I had not filed my taxes and closed my account after I did exactly what they told me to do. Also, AMEX has lied to me of when payment was due. I offered for AMEX to see my returns and they rejected my request. I have called multiple times to get this issue resolved and AMEX has not done anything to help me as far as keeping my account open
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland funding has recently reported a debt on my credit reports that do not belong to me in the amount of {$940.00}. The alleged credit appears to me a company named XXXX. I asked for debt validation as allowed under the fair credit reporting act, and I was sent a statement with the name XXXX XXXX ; however the address listed that allegedly belongs to me was a XXXX XXXX XXXX that was illegible, and cut off, nor did the list the items that are required to validate a debt. I did not receive an original contract, a statement of transactions. They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court and could receive {$1000.00} for the incident plus damages, which I plan to do if this matter is nor resolved. This company had been involved in multiple class action lawsuit suits in regards to buying junk debt and harassing innocent people.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX, I am a PayPal customer with email address XXXX I have been a good customer of PayPal, but however, PayPal decided to put my account on limitation and asked for my photo ID, bank statement and proof of address before removing the limitation with Reference ID : XXXX When I signed up for PayPal, I already verified myself and as such, verification should not be done Everytime. 


I have supplied the documents needed to PayPal to remove the limitation but PayPal has refused removing limitation on my account and as such, I had to file this complaint. 

I need PayPal to resolve my issue
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I received a phone call from MBA law out of Texas advising I had an outstanding balance of {$1700.00} for an emergency room visit. I advised the representative of MBA law, that I had paid down the balance to a company out of Georgia and in fact did not owe {$1700.00}. I informed the representative that I would be submitting my documentation proving I had paid the balance down. I then found that MBA law had report to the credit bureaus I was in collections for the balance of {$1700.00}, which in its self is inaccurate and false. I have yet to hear back from MBA law or any of it's representatives. I have requested they remove the inaccurate report placed on my credit report but have not seen any action.
Consumer complaint received 2020-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

On XX/XX/2020 I received an alert that my XXXX  score changed. When I reviewed my credit report Jefferson Capital Systems ( Debt buyer ) reported status as collection account past due as of XXXX 2020. 

I did not receive any calls or written communication that would have provided me the 30 days necessary to dispute this debt. 

I believe doing this without notifying me is not just threatening but also very damaging my credit status which I've been trying to rebuild. 

Below is the debt collections info : Jefferson Capital Systems XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX
Consumer complaint received 2021-04-07
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. (FL)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX A ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Thank you
Consumer complaint received 2020-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection National Recovery Agency. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2018-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION (CA)

I have made many attempts to contact this company with no resolution. I get transferred to various depts, however no one is able to assist. I have tried to explain to the company that when a consumer utilizes the online option to request a payday loan, the system automatically thinks you are asking for not only a payday loan, but also an installment loan and there is a hard inquiry done on your credit report. When I tried letting them know I did not ask for an installment loan they continue to tell me I did request one, when in fact I had not. I have tested this numerous times and it continues to occur. My credit has 2 hard inquiries from this company which I did not consent to. One was done on XX/XX/XXXX and the other one XX/XX/XXXX. I have filed complaints and to no avail. They insist I applied for an installment loan and a pay day loan which is incorrect.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AZ)

Southwest Credit Systems L.P claimed I have an open account with them. They state the original creditor is XXXX. I dont even have a XXXX account. Id like this resolution to be solved immediately to ensure my credit score remains growing to the higher levels.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (GA)

The company is asking me to pay an account established at XXXX XXXX XXXX XXXX, in XX/XX/2017. I live in XXXX Ga and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are purposefully misrepresenting information, either way its being done to harm my name and reputation.
Consumer complaint received 2021-09-22
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 (NJ)

In 2013 my wife and I went to a resort called XXXX XXXX in XXXX. I already had a time share with Wyndham resorts  which I still currently own. A salesperson at XXXX XXXX XXXX, during a presentation, led us to believe that XXXX XXXX would buy out current contract with Wyndham Resorts which was completely fraudulent. We had to open up credit card with Barclays Bank Delaware ( Barclaycard ) to facilitate transaction. Upon return I found out that the claim of buying out my contract was fraudulent so I contacted Barclays and sent them handwritten note from salesperson XXXX  ( no last name ) to that fact. They did not investigate and turned account over to collections. I retained an attorney who on my behalf threatened to file suit and they agreed to discharge debt. I attempted to file suit against XXXX XXXX in XXXX, but, since international, decided not to pursue. I always have had excellent payment records but for this. I believe Barclays did not take the fraudulent claim into account and did not investigate because of their affiliation with XXXX XXXX. Since account has been discharged without prejudice I would like these late payments to be annulled from my credit and my good credit should be restored.