davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (PA)

My XXXX  XXXX c

ard and PNC credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. You see, i worked as a XXXX  XXXX  for the XXXX XXXX with a
company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX  another XXXX XXXX XXXX  all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no PNC banks east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money.

Both the PNC credit card and XXXX XXXX did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX because someone already has it under my email. I gave so much to our XXXX XXXX XXXX XXXX
that I would hope Uncle Sam can help me in a time of need.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

On Saturday XX/XX/21, I received a text alert from Chase Bank, which I am signed up to receive, for potential fraud on my account in the form of wire transfer of {$2000.00}. I replied NO to the message and received another alert stating that someone from the fraud department would be calling me shortly. I received a call from Chase Bank approx 3 minutes later. He asked me if he was talking to XXXX XXXX and I said yes. He told me that there was a wire transfer attempting to be made from XXXX to a person named XXXX. I stated I did not use XXXX and had not set it up on my account. He then told me that in order to have the money not leave my account, I would need to set up XXXX and essentially issue a reversal to myself in the amount of {$2000.00} and it would put a charge back through to XXXX to make sure the payment did not leave my account. Not having used this service before and believing that I was talking to someone from Chase, I followed the instructions I was given. I received a code to input. Never did I give this person any information or any codes and I verified that the number I received alerts from was the number chase had used in the past and verified the number was the chase bank customer service number. The {$2000.00} was transferred out of my account and I am being told by Chase that it's XXXX responsibility to reverse the payment if they wish to do so and XXXX customer support has told me that they have no access to the bank info through chase and that it will be the banks responsibility to return the funds. Neither of them are being helpful. I was told by Chase that because I willingly transferred the , there is nothing they can do. But I didn't willingly transfer the money, I was given instructions by someone claiming to be from Chase, calling me from the Chase Bank number.
Consumer complaint received 2020-05-11
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)

MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, at approximately XXXX PDT, I attempted to get a copy of my free credit annual report but discovered I was locked out from getting such reports from the 3 credit reporting agencies. The reason for this attempt was I have reason to believe someone has fraudulently taken out a loan on my residence and I wanted to see if any loans show on my credit reports and if so, how much was the loan. I then attempted calling all 3 credit agencies. I was then asked four computer-generated questions to verify my identity. Questions involved answering questions requiring I give exact dates involving past credit accounts and financial transactions. Note : I'm XXXX years old and have failing memory and had no exact recollection of these dates. I was therefore told " I could not be verified. '' I was refused any further information regarding any loans on my home. I need help getting this information to prevent losing my home, if in fact someone has fraudulently taken out a loan on my home.
Consumer complaint received 2018-02-22
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. (WA)

Equifax has failed 10 attempts at resolving improper use of my credit report. My report is locked and nobody is supposed to be able to access it. Secondly, I paid XXXX XXXX XXXX   in full both accounts, they were paid in full in good faith and closed by me the consumer. I have attempted 10 times now with supporting documentation that this is true and accurate. So, since this is not getting done, I will be filing a motion against Equifax and XXXX XXXX XXXX for direct violation of Anti-Trust Laws
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (FL)

On XXXX I received an email from PayPal saying they had taken {$500.00} out of my prepaid Visa credit card with XXXX. I never authorized any payment to XXXX for XXXX This is lies and scam. But I lost the {$500.00} anyway. I called many times but no one ever answered. The Invoice Number is XXXX. I called the no. on the email XXXX XXXX and PayPal directly XXXX XXXX XXXX without any answers. Scam, scam, scam.
Consumer complaint received 2020-10-13
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. (AL)

I HAVE A LOT OF FRAUDULENT INQUIRIES ON MY EUQUIFAX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE FROM MY CREDIT REPORT.
Consumer complaint received 2018-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bayview Solutions LLC (NJ)

He called from this number : XXXX and He started telling me, that I owed {$1000.00} to a credit account I had over 10 years ago, and this account was paid. The statute of limitations is up therefore He has no legal right to try and even attempt to collect a debt in New Jersey. He also said ; I opened a account with XXXX XXXX and that has nothing to do with what he's suppose to be trying to do. 

He also said ; I had 2 judgments on my report and I don't and He wanted me to send him the {$1000.00} ; He also said I was embarrassed, He was very threatening too.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi closed my XXXX Visa credit card # XXXX on XX/XX/XXXX with no reason given. I have been in good standing with Citi and I have great credit score. I use this card as my primary credit card, and I have accrued {$1600.00} of reward balance due to pay out on XX/XX/XXXX, which is only 3 days away. I called Citi customer care two times, executive office phone line one time, and fax them a letter. The best answer I have got is basically that they can close for any reason at any time, without giving me any reason why I was targeted, even if it is only days away from paying out my reward. My reward, according to the rep, is now gone since the account is closed. They essentially got themselves out of paying without any explanation. I am not only out of the reward dollars, I am also 1 ) out of credit card to use, 2 ) expecting a hit to my credit score due to the ratio and closure because I dont keep many other around and 3 ) will have hard time get another one even with good credit score. I stay responsible and pay my debt always, and Citi just decided to cause personal damage without any legit reason. CFPB, please help me get to the bottom of this.
Consumer complaint received 2018-06-16
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: BARCLAYS BANK DELAWARE (MA)

I purchased an XXXX laptop at the XXXX store using my XXXX credit card. I was informed at the time of purchase that the promotion was 18 months with no interest. They only gave me 12 months with no interest and them charged me the interested owed.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have always made ontime payments and never been late yet XXXX XXXX reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (NY)

I have a Coinbase account that took {$1000.00} out of my bank account on XX/XX/2021 unauthorized I contacted them about this on the XXXX and they froze my account which I have no access to with a considerable amount of money. They are making no effort to resolve this I was given 2 case numbers the last oneXXXX Im more concerned about getting my account back than the {$1000.00} that was taken. This seems to be a common problem with this company.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2020-10-28
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)

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2017 I purchased XXXX bitcoins for a price of {$300.00} through a company called Coinbase. At most the company claims delivery can take up to 10 days. After a week of not receiving my bitcoins I emailed Coinbase support. After almost two weeks they replied asking for a screenshot of my purchase status which still said " Pending ''. Keep in mind the funds were long taken from my bank account. Replying the same day I was later informed that my situation was being handled by a specialist. After not hearing back for another week I asked for an update and I never heard from Coinbase again. 

I attempted to submit a claim through my bank but because the transaction was " authorized '' they said they couldn't help me.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I was sent an inactive card by US Bank Reliacard. I have been told multiple lies by representatives of this institution. I was told that they put a freeze on my card on XX/XX/XXXX. After weeks of being told that I must call unemployment or the XXXX treasury dept, I reached a " tier 3 '' representative at this " bank ''. I was informed that for unknown reasons, my account had been " restricted ''. They asked that I send in a copy of my ID, SS card, XXXX, and W2. All of this information was faxed on XX/XX/XXXX, as well as XX/XX/XXXX. After calling again, I was informed that they received my information and may take 24-48 hours to review it. After 48 hours, I called and was told that it may take up to 5 days. Now its been 8 days, and I'm being told that it may take an additional 15 days to process. I didn't get a chance to activate the card before they put a hold on the account, so I don't know of any possible fraud that may have occurred, and they can not give me a reason either.
Consumer complaint received 2021-08-06
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. (IL)

I've recently notice an account on my credit report that do not belong to me. I filed a FTC report and mailed it certified mail to Equifax more than 30 business days ago. Equifax has no verified the account and still has not removed the account. According to the FCRA reporting agencies must verify all information before reporting to a consumer credit report. 

Account Name Account Number XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-09
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)

Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit.

Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your time
Consumer complaint received 2020-10-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person
Consumer complaint received 2018-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX  XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I have asked XXXX XXXX XXXX for proper validation of debt NUMEROUS of times. The company 's responses have been copies of an old bill. Their responses are not proper validations of that debt. I have explained to the collection company that the debt is not mine and that I was with another carrier at the time of the date of the computer generated bill. Because I have had numerous fraudulent accounts pop up on me, I have an extended 7 year fraud alert currently on my file with all three Credit Bureaus. I am fed up and will have to judicially file against this company for allowing this fraudulent account to be connected to me.
Consumer complaint received 2018-06-16
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: CITIBANK, N.A. (FL)

I was XXXX with the XXXX and requested that my account be freezed and citi bank failed to honor this request, hence I have late payments being reported for 60 days while on XXXX. According to The Servicemembers Civil Relief Act of 2003 ( SCRA ) replaced the Soldiers ' and Sailors ' Civil Relief Act of 1940 deployment of more than 180 days constitutes a hardship requiring creditors to defer or freeze payment obligations of military personnel.
Consumer complaint received 2022-11-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and Portfolio Recovery associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and Portfolio are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (LA)

On XX/XX/2020 I received Notification that a new collection account was placed on my credit report by Credit Management for XXXX XXXX for {$260.00} account number XXXX. 
I immediately called credit management to discuss the bill. Representative stated they received the account from XXXX XXXX in XX/XX/2020. Explains it a wrap I did not order them any money I paid the account to a different collection agency in XX/XX/2020. I was told to contact XXXX XXXX  formally known as XXXX. 
Call XXXX  XXXX  XXXX  gave the rep the account number and was told I had a XXXX  balance. She ran my Social Security number in our system and I did not have any other accounts she can not explain why the account was sent to a different collection agency. She had her supervisor to look at the account and a supervisor said the same thing a ticket was created and was sent to the department to handle this account to have it removed from the collection agency and removed from my credit report I was told to call back in three days call back on Tuesday night The representative told me the same thing the account he pulled up had a XXXX  balance and he could not explain why he was sent to a collection agency I had to give the specially handling department time to review the case to call back on Friday. Call back again today and spoke to another representative she also looked at city account and could not explain why an account with a XXXX  balance went to a different collection agency she had her supervisor to look at the account her supervisor said the same thing another ticket was created and I will provide both ticket numbers. 
Bill with XXXX  Total Bill {$780.00} Received Credit {$310.00} for equipment Balance {$460.00} The account was sent to XXXX XXXX collection agency Account number same account number XXXX Set up a payment arrangement to make 4 payments of {$120.00} Payments made XX/XX/2020, XXXX & XX/XX/2020 Ive included a copy of my credit card statement showing payments to XXXX XXXX