davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (GA)

When these accounts were opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2022, someone was able to log into my Venmo account and send {$100.00} using " payment between friends '' functionality to a user XXXX XXXX ( handle @ XXXX ) transaction ID : XXXX Once I saw unauthorized transaction on my bank account, I called Venmo right away and was told by customer service that I could not dispute fraudulent transaction, as it was considered by Venmo as " authorized ''.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$12000.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO. (WI)

A credit card issued by Chase Bank stated " Cash Advance Limit '' as {$3400.00} both monthly credit card statements as well as online account details. 

I had a charge of {$9200.00} from a Financial Institution on XX/XX/2016 that was coded as " Cash Advance '' under " Type '' by Chase. Even though the stated Cash Advance Limit was {$3400.00}, Chase allowed a transaction that it coded as " Cash Advance '' to be approved that was much higher than the " Cash Advance Limit '' stated by Chase. 

I was immediately charged a " Transaction Fee '' of {$460.00} and subsequently a " Cash Advance Interest '' of {$150.00}. 

Upon seeing clarification on how Chase Bank could allow a charge coded as " Cash Advance '' that is almost 3 times the " Cash Advance Limit '', Chase Bank responded with a statement " We [ Chase Bank ] may allow some transaction to be processed about [ above ] the credit line or cash line so that our customers do not have to face any kind of embarrassment. '' On further clarification Chase States " there 's an option that prevents you from going over limit. We can place an over limit block on your account. '' This was not made clear on the statement or online nor the fine print on the statement. I consider this as a deceptive practice by Chase Bank and is unclear to the consumers. If Chase is knowingly publishing a clear " Cash Advance Limit '' - it should either abide by it or reword the limit. 

There is no way I would have charged {$9200.00} from the financial institution had I known Chase would code it as " Cash Advance '' and given that the cash advance limit was lower than the charge, I assumed given the charge is from a Financial Institution, in the event Chase codes it as " Cash Advance '' the transaction will be automatically declined. 

I have immediately paid the amount charged as soon possible. 

Attached are copies of the communication from Chase Bank and a screenshot of online account management showing " Cash Advance Limit ''
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

Coinbase owes me {$88000.00} however they want me to deposit {$5000.00} as a fee for them returning my money they took from my bank account! Makes no sense! I dont have {$5000.00} to give them just to get my money back
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

To whom it may concern. 

My full name matching my passport XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at XXXX PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you
Consumer complaint received 2018-05-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate (OH)

FMS called me many times to collect a debt. They claimed that they are a 3rd party source that could set up special payments for me to pay down my loans with myfedloan so I could finish school at University XXXX XXXX. When they called me, I had maxed out my loans so the only way to finish up my last XXXX classes was to get some of my loans paid down. XXXX XXXX called me from University XXXX XXXX today, XX/XX/XXXX to find out if everything is OK with me because they haven't received any money yet. I have made payments to FMS on XX/XX/XXXX for {$680.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$180.00} and XXXX  has not received any of it. I was just made aware today that I could pay XXXX  directly.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX I paid off a Chase Visa balance in full and closed the account. I told the rep to make sure the balance was paid in full and I was assured there would be no revolving interest charges. On XXXX XXXX I received another statement with another balance. I think Chase Visa needs to train their people better and/or be a little more honest. The representative seemed more interested in keeping me as a customer and offered to lower the interest rate on the card. I insisted they close the account completely but still was pushed by the representative not to cancel my account. I had to be persistant against the preditory representative at Chase Visa.
Consumer complaint received 2022-08-23
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. (GA)

When these accounts were opened, I was a XXXX XXXX at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a XXXX XXXX at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.
Consumer complaint received 2022-04-11
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: CITIBANK, N.A. (FL)

Citibank is failed to show proof that they paid the merchant and because of nonpayment from Citibank the merchant canceled my subscription. And which Citibank is not giving any assistance on showing that they have paid the merchant. Which Ive already paid city bank and full for my part but city will not release or show any routing number that they did their part to pay the merchant.
Consumer complaint received 2022-07-29
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (GA)

I have never applied for or opened a BB & T/Truist Credit card XXXX This is not an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY.
Consumer complaint received 2021-06-06
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: SYNCHRONY FINANCIAL (NC)

Was on my email and got an alert about a hard inquiry just done at XXXX on XXXX  and XXXX  blocked the report. This is a copy and paste of igt .... 


Installment Loan or New Bank Account Inquiry SYNCB/CC got a copy of your XXXX  Credit Report. 

Financial Today What happened? 
SYNCB/CC recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 

Source : XXXX  Company : SYNCB/CC Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX I have no new bank accounts, loans, bill me laters or paypals.
Consumer complaint received 2022-08-23
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. (GA)

When these accounts were opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.
Consumer complaint received 2022-04-11
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: WELLS FARGO & COMPANY (WI)

Wells Fargo credit card {$3500.00} XX/XX/2021 I file a police report and reported fraud with the company. Wells Fargo fraud department has done nothing
Consumer complaint received 2015-08-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (UT)

In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC. (NJ)

this is a notice of billing error to the company. 
the refernced account is an agreement not a contract and because of the lack of complete disclosure. i rescind the entire transaction.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I XXXX XXXX has been going through a financial hardship and has been violated by Account resolution service, Account resolution service is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XX/XX/2020 - {$780.00}
Consumer complaint received 2022-11-28
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: Self Financial Inc. (MD)

*self financial lead bank* In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written authorization. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-06
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. (NC)

I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.
Consumer complaint received 2022-07-04
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX US DEPT ED, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX US DEPT ED, Account # XXXX US DEPT OF EDXXXX XXXX Account # XXXX US DEPT OF EDXXXX XXXX Account # XXXX DPT EDXXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX XXXX Account XXXX XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2022 I directed a {$200.00} payment to XXXX XXXX to my PayPal account. In my Paypal account, my " preferred method to pay '' is set to my PayPal XXXX. When I checked my PayPal account, the {$200.00} transaction is incorrectly listed to post to my XXXX XXXX instead of my PayPal XXXX. This is an error. I have sent multiple messages and have made multiple phone calls to Paypal, and they are either unwilling or unable to help me. See attached PDFs for details.