davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022 XXXX I spoke to XXXX at transuion, he said he had a system error and wasn't able to remove i did not request a security freeze. i am applying for mortgage, WHen they asked me i wanted i said no this needs to be removed asap. Thanks
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (MI)

I have filed numerous disputes with Experian. Every time Ive called or checked on their website about a dispute, Im always told that the creditor says the information they reported is accurate. That tells me Experian didnt investigate at all. A creditor is suppose to provide documentation to verify their claim and usually the consumer gets something in writing in regards to the dispute. Ive disputed the same items with XXXX and XXXX and the creditors take action. Ive asked a few creditors why didnt they update my Experian report and was told they never received any kind of dispute from Experian. Experian is in clear violation of FCRA by not making my creditors verify the debt, check payment history for accuracy and actual debt owed
Consumer complaint received 2022-04-28
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 HONDA FINANCE CORP (CA)

in accordance with the Fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : 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 a open end consumer credit plans as late for any purpose.
Consumer complaint received 2018-12-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (PA)

I ordered a TV online with " XXXX XXXX XXXX XXXX '' and utilized their preferred lender - " XXXX  ''. I ordered the appliance on XX/XX/XXXX and quickly cancelled it the very next day ( XX/XX/XXXX. You will see on the statement I uploaded ). They contacted me today ( XX/XX/XXXX ) and I had a " chat session ' with them explaining everything. They stated I was credited the amount of the order but the annual fee will still stand. This is a complete scam as well as a version of " predatory lending ''.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

Hello CFPB, I am a victim of PAYPAL ID THEFT. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Someone created a Paypal account using my full name and email id XXXX ' around XX/XX/XXXX. My official email id is XXXX '. The email ID XXXX ' was one of my unused email ids and I have not used it in more than 6 months. 
They then accessed my XXXX XXXX XXXX Primary Checking Account with Account # : XXXX and two Debit Card Accounts with Account # XXXX : XXXX and XXXX. Then, unauthorized Paypal transactions fraudulently transferred money from my XXXX XXXX XXXX Checking Account with Account # : XXXX and two XXXX XXXX XXXX Debit Card Accounts with Card Account # XXXX : XXXX and XXXX from XX/XX/XXXX till XX/XX/XXXX. I did not create the Paypal account and I did not transfer money at all using this Paypal account online to anyone. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are of ID Theft and are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XXXX XXXX but could file final Claims with XXXX  XXXX XXXX for reclamation and refund of money only in XXXX and XX/XX/XXXX due to my medical issues. The total amount of money transferred fraudulently from my XXXX  XXXX XXXX Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed multiple Claims numbering atleast 9 with Paypal to get my total money back. Paypal Fraud Department has ruled against all of my Claims and has refused to classify the Paypal account as an ID Theft case. It has also refused to refund my total money back to me. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get my total money of {$15000.00}, obtained as a result of PAYPAL ID THEFT BY PAYPAL INC, AS SOON AS POSSIBLE BACK FROM PAYPAL INC. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I had accidently made a second deposit on a check on XX/XX/2021 i got from my insurance company for property damages of {$2200.00}. The fund was deducted from my checkings account and the check was never returned to me. I talked to the banker and the issue still hasnt been resolved, or them knowing where my funds go. The insurance company said the check was cashed so they can't write me a new check even though i have a mail saying the money was never cashed. The bank has been holding this fund and nobody knows where it's at. The check was from wellsfargo bank which is also the account i have my bank with. Please help.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A {$120.00} legal fee was charged because a levy was placed on my account. Contacted the source ( state of Mass ), I was told that inaccurate information caused state income tax fees and a levy was placed. Paid the amount the same day and contacted BofA who said the hold will come off the next business day. Hold comes off but now I have a {$120.00} legal fee. Called BofA to discuss the fee, but after explaining that not knowing the money owed and surprised with a levy ( Ill be asking my tax guy some questions ) and paying, all they said was that its a legal fee to charge for placing a hold. Is this even ok.
Consumer complaint received 2017-12-22
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I applied for XXXX secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Dear USAA, my name is XXXX XXXX XXXX. I am a victim of identity theft. In 2012, I lived in XXXX XXXX and my personal information was compromised. Someone opened or tried to establish a relationship with the institution without my consent. I did not authorize this action. When I did try to start an account with the institution I was informed of this situation. There is a notice on my profile not to open any accounts in my name. I would like for that restriction to be lifted. My social is XXXX. I also recently filed for bankruptcy. As a safety precaution, I listed USAA as a debt. I will include the bankruptcy filing. Also I will include the police report and my ID and social.
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number XXXX XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2018-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One. 
I have been a regular Capital One customer for 12 years. 

I paid my credit card balance in full on XX/XX/XXXX. Even though there was a XXXX balance, Cap One withdrew my regular monthly payment on XX/XX/XXXX. 
On XX/XX/XXXX, I called their office and spoke to a representative who said they could mail a refund check to me 10 business days out. I countered with them to deposit it directly into my checking account for an expedited refund. The representative verified my checking account information and advised it would be processed in 2 business days. 10 days later here we are with no refund. I called today ( XX/XX/XXXX ) and spoke with a supervisor, XXXX. 
XXXX informed me that 1 ) they do not issue refunds via direct deposit and 2 ) there were no notes on my account of my previous discussion on the XXXX. I replayed the conversation for XXXX and requested that if she was unable to deposit the refund directly, as I was told they could, then I would expect a check to be overnighted to me. She advised she was unable to do so. 
When I asked to speak with her manager, she refused. She told me her manager, XXXX, deals with only HR policies and doesnt talk to customers on the phone. 
When I asked to be transferred to a department who has authority to process check requests, she refused. She told me they had no extensions and no ability to transfer. 
When I asked for the direct number to the office where I can speak with someone about this matter, she refused to provide me with one. She said you can find that number on social media. 

I advised XXXX that I, too, work in the finance industry and I know what options are available to bring resolution to an upset customer. XXXX and Capital One were unable to provide me with a resolution. I was told I would receive my refund check on XX/XX/XXXX. 

The Fair Credit Billing Act ( FBCA ) applies to open end credit accounts like credit cards. According to this law, creditors that offer open end credit must promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than one dollar. If you prefer a refund, it must be sent within seven business days after the creditor receives your request. 

Requested on XX/XX/XXXX. Refund expected onXX/XX/XXXX. Well beyond 7 business days ...
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One did not defend me with the merchant who didnt issue a refund for an Incorrect item I received, And they have failed to ask for additional documents from my end and have made the decision solely on the merchants evidence. It is not the first time Capital One has done such thing and have continuously failed to resolve a dispute with A merchant. 
My case number is XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I was employed at a bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. From XXXX through XX/XX/XXXX. In XXXX XXXX I received a letter from the Social Security XXXX, informing me of a potential private retirement benefit. The Plan name : XXXX XXXX XXXX XXXX  Pension Plan. Plan Administrator address : XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. Plan number : XXXX Year reported : XXXX Estimated amount : {$170.00}. Type of benefit " C '' Life annuity, Payment Frequency : monthly. I strongly believe there is an annuity plan in existence. XXXX XXXX XXXX was bought by Washington Mutual Bank, and then taken over by Chase Bank. Chase Bank, I factually know has JP Morgan handle all retired employees retirement plans. I have tried to track down this plan with no luck to date. I have a very strong hunch that my sister, XXXX XXXX XXXX, has hijacked my retirement plan. She has been impersonating me and committing crimes against me. If you google her or other internet sources, she goes by the name : XXXX XXXX. To me, that alone is very suspect. I am her only sister and she actually assumes my legal first name : XXXX, as her alias. I have other reasons to believe it is my sister who took claim to my retirement account. She has a history of stealing from me, she impersonated me when I was employed at XXXX XXXX. 
She gained access to my employee account and changed my payroll and retirement benefits and took out hsa distributions on two occasions. She has a long history of mistrust and deceit.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has frozen my 1,200,000+ miles not allowing me to use them or giving me any reason why, and unable to give me a date they will be unfrozen. I have called their rewards department numerous times trying to get answers - I have been an AMEX member for 12+ years and these points were accumulated over the last year. 

Their inability to give me answers or release my points has cost me over US {$8000.00} in increased travel costs for XX/XX/2021 since I was not able to use my points for the trip.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a DISPUTE LETTER to XXXX and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked XXXX how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now all closed off on my account. I asked for 1099 and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (FL)

This is my second complaint to XXXX, I was a victim of identity theft and theres a company named : ACIMA DIGITAL FKA SIMPLE reporting a charged off closed account under my name that was due to IdentityTheft, They asked me for a Police Report which i sent the same day and been more than XXXX weeks and still no answers from XXXX, Bellow i will attach the police report how they asked in the last complaint which shows them as the affected just like they asked
Consumer complaint received 2021-12-03
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)

In early XXXX, upon applying for a mortgage on a newly built home, my mortgage lender discovered an account placed on my credit profile that has caused a severely crippling dilemma in my home purchasing process. According to the account being reported, there is a balance of {$5700.00} on a closed XXXX XXXX installment account. The account appears to have been opened XX/XX/XXXX, and has been delinquent since XX/XX/XXXX. 

Since learning of this inaccurate account information, I have spend several months in attempting to work with the different credit bureaus in disputing this information that is being reported. Although XXXX major reporting agencies have done the right thing and removed this fraudulent account from my credit profile, ONLY Equifax has continued to fail to do so. I have completed various proof of identify forms, filed police reports, as well as typing dispute letters along with my personal identification and mailing and faxing this to both XXXX XXXX and Equifax. After nearly a year, no action has been taken. Even when speaking with representative from XXXX XXXX, I was told that my personal information that i had provided, did not match the account holder information that they had on file, so no further information could be given to me. 

I find what XXXX XXXX is doing is very unfair to me, deceptive and abusive in nature, as this can now cause me to lose a {$60000.00} deposit I placed on the new home. And Equifax is allowing this by continuing to report this account with accurate proof from XXXX XXXX that the account infract belongs to me. Because of the personal information not matching according to XXXX XXXX, I am left with no resolution in this matter. 

I have clearly been a victim of identity theft. I have explained to all parties that I do have the exact same name as my father ( First, Middle and Last ) and our social security numbers are also very similar. Although i do not know for certain who opened this account in my name, I do feel that I have provided enough information to Equifax through several attempts to remove this account from my credit profile.
Consumer complaint received 2022-04-07
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. (RI)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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. If you wont delete the 5 late payments I want the trade line to be deleted.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc (CA)

I applied for and was granted a PayPal credit card. I sought the card because the PayPal credit card website promised 2 % cash back on all PayPal purchased when using the PayPal credit card. I proceeded to try to use the credit card when making PayPal purchases. PayPal lists " PayPal credit '' as option for a method of payment. I assumed that " PayPal credit '' was the same as the PayPal mastercard credit card, so I used the PayPal credit option to make about {$1000.00} in purchases, expecting to receive 2 % cash back on those purchases. When I did not see the 2 % reflected in my account, I reached out to PayPal. The automated assistant told me there were no such rewards. It took multiple rounds of my trying to communicate with PayPal and my reviewing the letter I'd received in the mail from PayPal mastercard which included my physical PayPal mastercard credit card before I figured out that PayPal credit and the PayPal mastercard credit card are two completely different entities. Worse, PayPal would not let me add the PayPal mastercard credit card to my wallet, making paying for PayPal purchases with my PayPal mastercard credit card impossible, thereby making it impossible to earn the advertised 2 % cash back.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc (VT)

A collection letter was sent on XXXX XXXX, 2020 claiming that {$8900.00} was placed in collections from XXXX. I have called them and left a voice mail and emailed them and got no response from them. Now they are calling me and saying that because I have not reached out to them, they will sue me. I tried to call XXXX and there is not working number to get a hold of this bank which leads me to believe it does not exist, and that this may be a fraud.

They had my last 4 digits of my social security number and my address and birthday.

My credit score is very good, so this collection debt does not seem to line up with anything.

I have already called Attorney General and they advised me to file a complaint here.