davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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: CITIBANK, N.A. (LA)

Citibank offers fraud protection but they did not honor it for my case. XXXX XXXX fraudulently charged my card for {$1100.00}. I disputed this amount because they changed the cancellation terms without notifying me and then when I disputed it, XXXX sent the terms that I did not agree to as their proof. I disputed it a second time and then XXXX lied and said I did not cancel in time. Citibank can see both responses from XXXX are not valid because I sent Citibank the original terms I agreed to that allowed me XXXX hours of cancellation with no penalty. I also sent them proof that I canceled XXXX weeks in advance. When I spoke to Citibank they said they can see that I am right but if XXXX won't agree to pay them back then they will not pay me back. How is that fraud protection? The Company committing the fraud would never agree to pay them back so I am not protected at all. This is false advertising. 

Please have Citi refer to my Dispute Case ID XXXX XXXX XXXX XXXX which was filed with them on XX/XX/2022.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MI)

I had both of my PayPal accounts compromised. Someone added their bank account into my business account and received my money. I submitted a resolution to PayPal for them to fix it and refund me my money. I made a mistake and added a charge that was authorized but the other XXXX clearly was different from the authorized one. I have had the same bank account and business with them since XX/XX/2021 with no issues.They some how stated that my transactions were not unauthorized. When in fact I have NO bank account with XXXX bank ( the account that was Added unauthorized ). I have to pay my rent on the XXXX and now they are denying me money they owe me! I have no email from PayPal stating there was an added bank to my account or anything to warn me! I only received an email when I deleted the bank account! and now I have no money. Im literally crying as I write this. I have no idea what I am going to do I am a young single mother of a XXXX year old son and I only profit an average of XXXX dollars a month! Why wont they give me my money if the transactions aren't clearly mine they could have called lending bank to see if I had and account with them and would have seen I dont! They could have checked with my bank to see if the money was deposited into my account. I really have no idea what I am going to do! I thought I would get my money easily and this would be solved but its not and now im fearful of me and my babies livelihood. We are already homeless and this just takes the cake for me im struggling enough, Inflation is raising I have to spend {$300.00} on gas a month alone just to make a living. I have to scrape up money for food and diapers every single month. I honestly can not take this right now! Im tired desperate and struggling!! I looked on the XXXX and seen so many others are complaining about PayPal ignoring them and not receiving anything. I literally can not afford for that to be me. I will do anything for me and my son to be able to eat this month. I will fight tooth and nail behind the truth for the sake of my son! I worked so hard for that money for it to be gone with no remorse. Im so scared and hurt right now I dont know what to do! After this is resolved im going to never use them again me and my son are at risk and they just dont care.
Consumer complaint received 2022-06-05
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. (AL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act XXXX account number : XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).
Consumer complaint received 2022-06-15
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. (WI)

I have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-23
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. (KY)

I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

XXXX  : I noticed an inquiry from the below entity XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


Equifax : I noticed an account that does not have a name but shows the following info Account number XXXXXXXXXXXXXXXXXX Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX   XXXX  XXXX XXXX XXXX XXXX The following Inquiry is not mine XXXX   XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX  : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  I 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 2022-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (SC)

I have a VA loan ( refinance ) loanDepot, XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. I had no problem with them until this XXXX when they sending me statements that made no sense. For weeks, I was unable to even receive any response from them. Even though, I have had " auto-pay '' with my online bank ; XXXX XXXX XXXXk XXXX SC XXXX and they have confirmed every payment was sent electronically on the 1st of every month, long before due dates. loanDepot has accused me of missing payment, double billed me ( XXXX XXXX also paid out fear ) due to threatening letters, and dublicate statements. 
I am a svc connected XXXX veteran, in my mid XXXX, and this situation has caused us enormous stress. We have always been very concious of our obligations and have near perfect credit scores. To be accused of wrongdoing in this manner is unconcieable, and not being able to evern speak with anyone has only aggravated the situation. I thought I could possibly straighten this out but how can you when they won't even communicate. 
Thanking you in advance.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Have called numerous times regarding a student loan refund. On XX/XX/2022 I called MyFedloan and a refund request was submitted. Called XX/XX/XXXX and was greeted with an automated messages saying my refund was processing. Called again XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to which I was greeted with the same auto response stating the refund is processing. I called again on XX/XX/XXXX and went to the regular menu. No auto response regarding my refund request, so I spoke to a representative who confirmed it was still processing. On XX/XX/XXXX I called again and was greeted with an automated messages that states MyFedloan does not service my loans and they were transferred to XXXX. I called them to get some information and was told they have no record of me being a customer and that it may take until XXXX to sort through the new accounts and at the point I would have to resubmitt my refund request. I immediately called MyFedloan back ( XX/XX/XXXX ) to confirm this and MyFedloan stated that it does not matter the loans were transferred and they can see my refund request was approved by the DoE on XX/XX/2022. They stated I should expect the refund shortly. Today is XX/XX/XXXX and I have not received anything to date so I called MyFedloan again today and was told by a representative that they can see it was approved but I will not receive anything and will need to re-request it through XXXX once they set my account up. Reading online and seeing that people requested around the same time I did and received their refund in half the time is a little concerning considering my refund request was approved since XX/XX/XXXX after having been requested on XX/XX/2022. Any information regarding this would be appreciated. Thank you.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX XXXX with the Fair Credit Reporting act 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 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

I have requested a refund in accordance with policy of being entitled to refund for payments made during the COVID payment pause. I first requested by email in XXXX, I requested again on XX/XX/XXXX. The company will give no details or estimate for a refund will be issued.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

Since XXXX XXXX I have been given the runaround. I have sent countless emails, proof, recorded phone calls etc.Yet, representative XXXX XXXX Ally auto has been negligent and intentionally falsifying statements.My payments for my vehicle were mishandled by Ally.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

My Venmo account was frozen on XX/XX/XXXX, I contacted Venmo as soon and this situation happened and they were not able to solve it or explain why this happened. Since XX/XX/XXXX I've been contacting them, they asked me to send pictures of my ID which I did but no fixing has been done so far. All they say is that it takes 7 days to be fixed, but it's been way more than that. I can not access my money since the account is frozen, consequently I can not pay my bills or even buy food.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I havent been able to access my citi account for XXXX MONTHS. All they call about is getting my minimum payment, but when I try to get access to my account again it is ENDLESS transfers and holds. 
I can NEVER get anyone from the USA on the phone, anything I ask besides their script gets IGNORED. 
WORST. COMPANY. EVER. 
And then today ( XX/XX/2022 ) I get a voicemail from them, call back ( which takes XXXX min to even get connected ) to which point the person is asking ME why Im calling and when I mention that YALL CALLED ME, I get put on hold. Still am on hold. 
IVE WASTED SOO MUCH TIME
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NJ)

Acima Digital FKA Simp reported to XXXX Credit Bureau that I owed XXXX. I don't owe such amount. The creditor failed to follow the Fair Credit Reporting guidelines prior to reporting this derogatory information to the credit bureau. As such, it is requested that the collection be deleted from my report.
Consumer complaint received 2022-06-14
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: Chime Financial Inc (CA)

I live in XXXX XXXXXXXX XXXX and work in XXXX XXXXXXXX XXXX which is in the same vicinity charges to my CHIME my credit builder credit card without my authorization took place in XXXXXXXX XXXX on days I was working in XXXX XXXX. I informed Chime Bank that I had lost my wallet and that somebody had gotten a hold of my credit builder credit card and used to make unauthorized purchases Chime Bank further stated that they found no error how could that be when I am working at the time these charges were made I did my due diligence by contacting the merchant where these charges were made and the merchant told me I had to deal with my bank I am complaining because these are unauthorized charges and Chime has denied my dispute on a credit card.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Store credit 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 (MA)

in XXXX i bought an XXXX XXXX XXXX XXXX} and traded an XXXX XXXX for {$250.00}, the total will be XXXX dollars but apple and goldman sach are charging me {$990.00}. I have called numerous times and supposedly they have already resolved but the charge continues to arrive.
Consumer complaint received 2022-06-14
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)

EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC (TX)

Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

I have changed my contact information and Discover card is calling my mother’s telephone number at least three times an hour everyday. They are harassing her. I have submitted contact information but they keep harassing her. I have not lived with my mother in 23 years. They have been doing this since XX/XX/2019
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MO)

Gentlemen, I would like to file a formal complaint against Discover XXXX. Upon my wifes passing on XX/XX/XXXX, I began the lengthy process of identifying her outstanding liabilities. Upon reviewing her statement from Discover, I noted the excessively high interest rate Discover was charging my wife on her card XXXX. The rate was 28.99 % which I believe is excessive, boarding on what I consider to be usurious. My wife XXXX was XXXX XXXX XXXX. XXXX as she had been a customer since XXXX, had a XXXX score of XXXX per their XX/XX/XXXX statement, had stable employment ( XXXX ) years and stable residence ( XXXX ) years I fail to see what characteristics placed her in such a high risk high rate population pool. 
My daughter, age XXXX also has a Discover card, her rate is XXXX  %. This speaks to the possibility of age discrimination in the determination of pricing. I understand the concept of varying rates based upon perceived risk, but in 38 years of commercial banking I have never seen a rate of XXXX %. I understand the concept of discretionary pricing having worked in banking for 38 years, but have never seen such disparity. 
I request you investigate this matter and specifically look at the following issues : XXXX ) Age discrimination in pricing that XXXX be overt or covert XXXX XXXX XXXX pricing strategies for both existing and new customers and whether said strategies are well supported by statistical data which clearly identifies credible risk factors XXXX ) Whether pricing strategies are applied universally and fairly to all clients rather than cherry picked I have reached out to the company on XX/XX/XXXX to request answers to these questions and was told I my concerns would be passed on to a higher authority. The name and title of said authority was not given. To date I have not received a return call although contact information was exchanged. 
General information you may need : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last for digets of her social security number My name is XXXX XXXX. I can be reached at ( XXXX ) XXXX if further information is required.
Consumer complaint received 2022-11-02
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: CL Holdings LLC (WA)

I noticed that Jefferson systems reported on my credit report that I opened a XXXX account in XXXX. No such action was taken on my part Had XXXX XXXX  as my only XXXX since XXXX. I did the ftc fraud report and disputed it through XXXX. I sent over my report and all the necessary info. XXXX said they found it to be factual. But I havent even step foot into a XXXX store in over XXXX years
Consumer complaint received 2022-06-14
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 the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I purchased a one-way domestic plane ticket using Ultimate Rewards points. On XX/XX/XXXX, I went to ultimaterewardspoints.chase.com to switch to a different flight on the same day, but the website advised that I could only cancel and re-book. I canceled the ticket the same day. After canceling and attempting to re-book, I learned that ( a ) it's not possible to rebook directly with the airline ( despite the fact that it's a credit with the airline and not Chase ) and ( b ) it's not possible to rebook in a lower fare class. Neither of these facts appear anywhere on the website ( in fact, it implies in several places that you have the option to rebook with the airline directly or with Chase Travel ) and, after speaking with several agents, none were able to identify where I could find these policies on the website. At present, I'm unable to rebook online at ultimaterewardspoints.chase.com or aa.com, and when attempting to rebook over the phone, the agent will tell me they can't do it, that they need a supervisor to assist, and then I get transferred to the wrong number. 

The relevant XXXX  XXXX  is XXXX.