davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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: WELLS FARGO & COMPANY (OK)

Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open this account.
Consumer complaint received 2020-01-10
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. (UT)

XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

I had several debit card transactions for a XXXX cruise drafted out of my account. I opened up a dispute in XX/XX/XXXX. The reason I booked this cruise was because of the advertisement of famous artist that would be present on the ship and they would also perform.The artist wasnt there, so therefore I entered a claim XX/XX/XXXX with my bank for services not rendered. I personally went to my bank and presented evidence. I called periodically regarding my claim and each representative gave me a different time frame for my claim to be resolved ( XXXX days ) I was advised that if they could not receive a response from the merchant, I would receive my money back. Each time I called, the merchant had never responded. Today XX/XX/XXXX I called and they advised me that they closed the claim because XXXX has a 60 day time frame. But the time frame for services not rendered was immediate after the dated service, inwhich was XX/XX/XXXX. The date was also on the provided evidence. Not only that, I didnt make a visa transaction and visa is not the merchant but the cruise line is. They were so called able to reach the other merchant on my other claim so they gave me the money back for that one because it was a low amount im assuming. But on this one, the merchant wouldnt respond so the found an excuse that doesnt apply under a services not rendered claim. Both claims were entered at the same time and for the same reason.The the excuse they found should would have applied to both claims instantly. The excuse they found after making me wait 3 months to not pay me is worse than fraud and is pure deceit. Nothing was given to me on credit, I paid my money. The last representative stated I can just file a police report against XXXX. She also stated she would have a branch manager to call me, and i never heard from them.Again, this is NOT A VISA TRANSACTION and VISA is not the merchant that took my money.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

On Sunday XX/XX/2020 I opened a Suntrust account and deposited {$300.00} dollars over the course of the following two days. On Thursday XX/XX/2020 I was unable to access my account. Upon calling customer service twice. Both times it was stated that my account was being closed and all remaining funds will be mailed after the investigation has concluded. On Friday XX/XX/2020 my employer deposited part of my paycheck into this account that should have been closed. Upon calling customer service again. They would not let me access my money and kept stating policy over and over again. This is unacceptable. There is more than {$700.00} in that account that I can't use until they conclude their investigation and mail my money if they even do.
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

XX/XX/20 Attempted to make a targeted payment to one specific loan online. Have done this multiple times before. Was unable to complete my transaction, Navient system only let me pay to full principle and interest. 

Called Navient : Found our that my paid ahead loan was on hold until the payments caught up and that I could not pay that loan. After a very confusing and untrusting conversation, I am unclear of my options and feel my account/repayment has been compromised. This is not the first time something like this has happened.
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (WA)

I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BlockFi Inc (CA)

I am owner of my digital wallet with BlockFi in XXXX XXXX  and the wallet is in my name. Blockfi is in the process of filing for bankruptcy. The digital assets in my wallet belong to me, and should not be used to satisfy secured creditors if bankruptcy comes.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (TX)

This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXX XXXX,, 5 ) XXXX, 6 ) XXXX XXXX 7 ) XXXX XXXX XXXXXXXX XXXX,, 8 ) XXXX XXXX XXXX,, 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX, 12 ) XXXX XXXXXXXX
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-11-20
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX # 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Company responded saying they cant find my information or a credit report
Consumer complaint received 2022-11-20
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: U.S. BANCORP (CA)

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with US Bank. I've never applied with US Bank. I called US Bank XXXX XXXX XXXX XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Consumer complaint received 2022-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Hello My mortgage closed in XX/XX/2022 and my previous banker ( XXXX ) sold the mortgage servicing to Nationstar/Mr Cooper. I had made my first payment ( XXXX ) to the previous mortgage holder before it was transferred. My XXXX payment is not being reflected on my account with Mr Cooper. 

I have been in contact multiple times and sent the statement information from the previous mortgage company. I have confirmed with the previous mortgage company that all funds and information were sent to Mr Cooper. 

I made my XXXX payment after receiving confirmation over email that this is being addressed, but my XXXX payment was applied to XXXX and the additional principal payment is being held as a partial payment for XXXX. 

I was reassured that the payment would be addressed the week of XX/XX/XXXX, but it was not. 

I am concerned that this will impact my credit report when the 60-day grace period ends and my account still shows overdue. I have tried to pay additional money to the principal balance in both payments, and I am concerned that the additional principal payments are being amortized appropriately for the correct month. 

I have attached a timeline of communication and copies of all letters/information provided to me on this matter. 

Thank you!
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (IL)

I applied at US BANK for a business credit card on Monday XX/XX/XXXX and received an email on Weds XX/XX/XXXX that I was approved for a credit limit of {$3000.00}. When you apply you can not request how much of a credit line you need. It's a random number that's given to you by the bank. 
I called to get a credit line increase today, XX/XX/XXXX, and I was told by the Analysts Dept. at US Bank that in order for them to process the request to try to increase my credit limit they will need to pull my credit, again, after not even 5 days have past. And they can not move forward with the request unless they pull credit, again. 
I don't see how is this ok, since that already have my credit report from when it was pulled on XX/XX/XXXX. I blindly apply for a random number they give you and then they have to pull credit, again, a 2nd time just for them to try to increase it. If I knew they will have to re pull credit for a credit line increase after I had just applied, not even a week passed, I would have never done so.
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2021, my money was taken out of my account by paypal. I had {$1400.00}. I was receiving money from friends and family, but Paypal took it upon themselves to restrict access to my account and prevent me from taking my money out. PayPal issues NO communication to me, and gave me NO indication why this decision was made prior to action being taken. PayPal never reached out to me to verify activity or verify my identity. PayPal acted solely on their own with a lack of information and a lack of due diligence. PayPal had taken it upon themselves to withhold my money and keep it in their possession with no clear instructions or options of resolution. This is what they wrote in their note " {$1400.00} USD ; PayPal Posting Date : XXXX XXXX XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation ''. I want my money back or I will seek legal action.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Unable to withdraw funds from PayPal account after fulfilling account restrictions for a second time and keep getting the run around on getting the remaining funds out of our repairafter account. This happened several months ago we fulfilled the restrictions they refused to release funds then and took calling them 3 times to get it released and now it is happening again with much smaller amount. Now we keep getting put on hold for so long they either hang up or we dial back and it keeps happening. They are refusing to give us access to our funds after fulfilling their limitations over and over again
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MA)

Four credit cards were closed recently which greatly affected my score, and I did not close them personally. In XX/XX/XXXX, XXXX with XXXX XXXX  closed my account ( " canceled by grantor '' ) since it was going out of business ; affected my score slightly, no big deal. On XXXX XXXX, XXXX, XXXX XXXX/XXXX closed my credit card because the store was also going out of business ( " canceled by credit grantor '' ). Yet, it still affected my credit score and it dropped again. Next, my XXXX XXXX XXXX XXXX credit card was closed in XX/XX/XXXX due to " inactive account. '' Score dropped again. Finally, My XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX " due to inactivity '' and my scored dropped SIGNIFICANTLY again. I worked my way to an EXCELLENT credit score for a long time now, and now it's in the 600 's and only " FAIR. '' I was in the 800 's and EXCELLENT for a long time. I inadvertently opened a credit card in XX/XX/XXXX when attempting to buy a pricey item, but we changed our minds. Now I have this open credit card I don't want nor need, but can not close it because I know my score will drop again! This is ridiculous and outrageous. The companies did NOT reach out to me about keeping my card active ; I had no idea they could be closed without my consent and have it affect my score because of it. Had I known that, I would have eventually closed them out over a longer period of time and/or used them sporadically so they were not inactive. This needs to be fixed. I am saving to buy a house and am appalled my credit is deemed " fair '' and in the 600 's when I worked hard to get it where it was. Please fix this and I'd be more than happy to assist in anything I need to do on my end. Thank you.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I took my children XXXX shopping at XXXX XXXX. After we got back home, my son XXXX XXXX, XXXX asked me to see of I could log in his bank account because he had received a notification that his account was locked due to suspicious activity. When I logged in my account, I saw that his checking had a deposit for {$900.00} and a withdrawal for {$500.00}, both on XX/XX/XXXX. Also, I noted that those transactions were at a Chase ATM in XXXX. I called the XXXX number for Chase Bank immediately, and I told my son to call, too. I told the representative that those XXXX transactions were fraudulent and that I was removing my son 's money from his checking and savings accounts. My son also stated that he did not have his debit card, and I relayed that information to Chase Bank. I told Chase that I believed the fraudulent activity was committed by someone at Chase Bank and I told them to pull the cameras. On XX/XX/XXXX, Chase reversed the deposit, leaving negative {$400.00} balance on the checking account. I called Chase Bank again and said that the bank needs to reverse that fraudulent withdrawal ; I told my son to call again, as well. After, this time and some time in XXXX, my son had to call once again, at which time Chase Bank reverse the fraudulent ATM withdrawal. Whenever I called Chase Bank, I requested to speak to management or a representative would say that I would get a call back. But, I did not receive a call back. I let the issue go because Chase Bank reversed the fraudulent charge and closed his accounts. However, on XX/XX/XXXX, my son and I received a letter dated XX/XX/XXXX. It stated that the past due balance of {$500.00} was due. I called the bank and said there is no past due balance. I also reiterated that I had requested several times for the bank to pull the cameras on that ATM. The branch XXXX XXXX XXXX said that she would escalate the complaint. I told her that I was still going to have the police meet me at her branch ( Chase XXXX ) on XX/XX/XXXX. However, when I called on XX/XX/XXXX, a representative told me that XXXX XXXX was not in the office.
Consumer complaint received 2020-01-10
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. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2020-01-10
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: CITIBANK, N.A. (PA)

Fraudulent charges not taken off the card after i followed all protocol citi customer service has blocked issued and was suppose to take them off of my card and all XXXX dollar return fees are still being XXXX  and my credit report is still not fixed.
Consumer complaint received 2022-08-17
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. (OH)

I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.
Consumer complaint received 2022-10-02
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)

This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXX XXXX 5 ) XXXX,, 6 ) XXXX XXXX,, 7 ) XXXX XXXX XXXXXXXX XXXX,, 8 ) XXXX XXXX XXXX,, 9 ) XXXX, XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX XXXX,, 12 ) XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (MA)

Dear Discover, I am writing to dispute the debt that you claim I owe. I have carefully reviewed my records and have found no evidence that I owe this debt. I request that you provide me with detailed documentation of the debt and the basis for the charges. If you are unable to provide this information, I request that you remove the debt from my account and cease all collection activities. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-01-10
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)

I submitted a dispute to equifax on XX/XX/XXXX and not even a day later they are claiming the reinvestigate my issue. I submiited paperwork to them back in XX/XX/XXXX that I was a victim of idenity theft. The below inquiries as well as accounts should have been removed as I did not apply for any of the loans or accounts. 
XXXX XXXX Bank Card Service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CT, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXL, P.O BOX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXXL/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX