davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
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: JPMORGAN CHASE & CO. (CO)

On XX/XX/2022 a charge was made on my Chase XXXX card for {$1300.00} to XXXX XXXX XXXX XXXXXXXX. On XX/XX/2022 an identical charge was made for the exact same amount to XXXX XXXX XXXX XXXXXXXX. I looked through my credit card statements when I received a notification from XXXX that a shipment was on its way to my home address that I did not recognize purchasing. The XXXX tracking showed the same company name, XXXX XXXX XXXX  XXXX, as my credit card account. I immediately called Chase to close out my credit card, and report the charges as fraud. I then also called XXXX XXXX XXXX Photo to make them aware that there were two unauthorized packages heading my way. The customer service rep was able to look up the orders by the credit card number used, and flagged both orders as fraud. I also requested the company have XXXX intercept the delivery, which also required signature. I also told the employees in the leasing office of my building, who are responsible for signing for packages, to deny signing for any packages coming to my address. On XX/XX/2022 I received a notice from Chase bank that only one of the purchases was deemed fraud, because one of the packages was signed for and " delivered '' to my address. Upon looking at the signature, it was signed for by a XXXX XXXX. There is not an employee in my building by the name of XXXX XXXX, nor are there any tenants of the building with the last name XXXX. I do not know anyone by the name of XXXX XXXX. It seems the purchaser intercepted XXXX 's delivery of the product by signing for it at my address. I do not have knowledge or possession of this product that was fraudulently charged to my account. Chase will be adding the balance of {$1300.00} back onto my credit card within 1-2 billing cycles, and I will be responsible for full payment of this fraudulent charge.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NV)

i was in the hosipal due to a XXXX XXXX XXXX XXXX and going back in for XXXX they would not help deferr payments they said a XXXX was not hardship then what is wells fargo
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MI)

LexisNexis XXXX . information exchange reports that I had in auto accident. The company reporting the information is XXXX XXXX XXXX XXXX. The following is the identifying information on the report. 

XXXX file number : XXXX Claim number : XXXX Policy Type & Company : XXXX XXXX XXXX XXXX Policy number : XXXX Driver : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Driver License : XXXX Vehicle XXXX XXXX XXXX number XXXX I did not have an auto collision, my vehicle was vandalized on XX/XX/XXXX. An unknown person stuck a wrench through the radiator of the vehicle. My vehicle was parked and unoccupied at the time of this incident. At no time was another vehicle involved. There was not a collision of any kind. There was never any police report filed of an auto collision occurring. I informed XXXX of this when I filed the claim. I just became aware in XXXX that XXXX was reporting the incident as an at fault accident. I am disputing this report and would like XXXX to remove it. This information is affecting me negatively. 

My contact information : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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. (CA)

Because of a fraud alert, my account was closed and a new card number was issued. One month latter a merchant made a refund to my closed account. The refund was never transferred to my new account by the credit card company.
Consumer complaint received 2018-08-13
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. (FL)

My XXXX  credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My Equifax score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX  had dropped XXXX to XXXX on XX/XX/18
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (TX)

Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to Chase bank ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and Chase also provided a phone number XXXX. I called this number which is XXXX & XXXX XXXX  XXXX  the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a chase credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (NC)

My Truist secured card is being charged huge interest fees and this is my money that they are charging me interest on. Is this even legal to charge me so much interest on a credit card that the money is mine to begin with?
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc. (VA)

In XXXX I went to use my credit card to rent a car from the airport. I had check my online account information prior to leaving to confirm available funds. It showed that I had more than enough funds available in order to complete the transaction for the rental car. Once I arrived at the airport and went to the rental car company to rent the car my transaction was declined. I told the attendant that there had to be a mistake and to rerun the card. The car declined again. I contacted the credit card company and was told that I had a lesser amount of funds available than what was shown to me online. I was told that the additional funds wouldn't be available until 7 business days. I asked them how could my online account information have something totally different then what they have in their systems and I wasn't provided with a direct answer only company XXXX. My statement is scheduled to close on the XXXX of each month. I check my online on XX/XX/2018 and my statement still had not closed. I contacted the credit card company was told that the information should be updated later on in the day. I check my online account several times throughout the day and still nothing had updated. The next morning I checked my online account and not only had the statement closed the day after but transactions were added into the statement that were still pending and has not cleared the account. I contacted the credit card company again and was told the that the credit card statement can close on different times of the month. Today I checked my statement history and the statement date is for the XXXX of the month however the statement includes transactions that show that they were transacted on the XXXX and XXXX of XXXX. I would like someone to investigate this company for fraud. How can the statement close on the same day the transaction was made? I have been given and shown misinformation each time I have contacted this company.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (TN)

Apple refuses to close my account and allows charges to keep posting even though customer support says my account is closed and that when accounts are closed its impossible for transactions to post. I have contacted customer support multiple times through email, text, and phone correspondence and no action has been taken for months. Each time I contact support there is no historical record of my issues and they refuse to provide a date when my account was fully closed. I am very concerned Apple will keep my account open to allow charges to post indefinitely, as has been the case so far. 

Apples only response to any of my requests is to ask for dispute info. There has been no acknowledgment of my request to close my account, and I dont receive a reply when dispute info is provided even from months ago. Customer support has also stated that I have 0 open disputes. Apple has also blocked my access online so I cant retrieve account closure documents or other statements. Because I dont have access I was tricked into making fraudulent payments in XX/XX/XXXX even though the customer support I verbally spoke to told me it would be resolved after making these payments. I also can't see where the charges are coming from, Apple has indicate it's only from XXXX XXXX  XXXX, but there could be late fees and other charges since I can't view details. 

Transaction dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account close date : XX/XX/XXXX - XX/XX/XXXX 2022
Consumer complaint received 2022-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I contacted Equifax multiple times to get my name updated & my address they have address on my account that are not mine I faxed my drivers license Marriage certificate & W2 to XXXX the fax number they provided I spend time & gas to fax from the UPS store & Equifax keeps telling me to refax it I have proof it was faxed date & time stamped I can attach copies. They are causing me to get denied for a home I need to rent because the house I'm living is is being sold. I spend hours on the phone with them not getting help. I'm beyond frustrated as this is affecting my life & my family.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (VA)

XX/XX/22 FRAUD : Attempted to book flight using airmiles on American Express Blue Card. Received message : Ineligible to use points. I attempted x3 to use miles online. An " Upgrade Now '' button was available. As a consumer, THE ERROR MESSAGE COMBINED WITH THE UPGRADE BUTTON CAUSED ME TO BELIEVE THAT I MUST UPGRADE TO AN ANNUAL FEE BASED ACCOUNT IN ORDER TO USE MY AIRMILES. 
The " upgrade '' I received was not an upgrade, but an entirely new gold card, giving me 2 accounts with American Express.

In the past 90 minutes I've spoken to 4 separate customer service reps & another 2 online chat. Finally, I was informed that I can use my blue card miles to book a flight, and now I'm waiting 35 minutes ( allegedly ) for a call back from XXXX in order to use my airmiles. I have XXXX miles or I wouldn't bother. Most customer service is sourced from XXXX now, and although the people are kind, they are relying on scripts to deal with cultural issues, and from my experience this is not working for the USA customer.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I was in XXXX XXXX, LA from XX/XX/23 to XX/XX/23. On XX/XX/23, I was robbed of my cell phone, and I had no access to the phone this entire day. During this time, the user was able to log into my Cell Phone, and use my Venmo to send XXXX separate transactions, XXXX for {$1900.00} to a XXXX XXXX, and another for {$850.00} to a XXXX XXXX. Since I was not in possession of my phone at this time, I did not authorize either of these transactions to occur. I discovered these transactions on XXXX, when I went to buy another phone to find that these fraudulent transactions had taken place while the stolen phone was in another person 's possession. 

I have spoken to Venmo Customer Support to understand what happened, and I was told that both of these transactions were disputed, resulting the {$1900.00} dispute being closed, and the other {$850.00} dispute being ongoing in investigation. I was instructed by Venmo to follow up with the Dispute email to explain my situation and what had happened. Venmo is claiming that I owe {$1800.00} back to them as a result of the {$1900.00} fraudulent charge, with the {$850.00} charge still pending. I have never used Venmo to send someone more than {$500.00} in my entire time of using Venmo. 

Additionally, whomever did rob me of my cell phone also was somehow able to use XXXX XXXX to send out XXXX different fraudulent transactions from my XXXX XXXX debit card that was stored in the XXXX XXXX, each for less than {$250.00}. I have submitted a fraudulent claim with XXXX XXXX and I am awaiting their response on this matter. 

I do not expect Venmo to refund these charges, for historically Venmo customer service does not side with users who experience fraudulence like this. I have had XXXX XXXX place a freeze/hold on any collections that come from Venmo in XXXX future. I do not {$1800.00} to cover this fraudulent charge, even if I wanted to pay this off regardless of the Venmo Dispute outcome.
Consumer complaint received 2022-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I attended XXXX XXXX which has now had legal trouble and basically all these loans are being forgiven. I contacted my servicer, Navient, about getting my remaining balance forgiven and I was told : " Thank you for contacting us regarding the settlement agreement announced on XX/XX/XXXX To be eligible for forgiveness under the settlement agreement, your loan must have been in default as of XX/XX/XXXX Your loans were not in default as of XX/XX/XXXX and can not be included in the loan forgiveness under the settlement agreement. Please understand that the terms of the settlement were agreed to by the participating states ' Attorneys General and Navient has no authority to alter or deviate from these terms. '' So basically because I was doing the right thing and paying my loan on time I get the short end and have to repay while someone who defaulted gets to have everything wiped clean. I have a family to support and couldn't afford to hurt my credit by just not paying so this seems completely wrong. I spoke to XXXX XXXX since I also had some federal loans and they are helping me and when I brought this up to them they said they had never heard of such a thing. Here is my loan info : Loan number XXXX, remaining balance {$5800.00}, initial loan amount {$15000.00} Please assist as this seems wrong to punish me for paying my loan and I can't imagine this is in the best interest of the consumer, it seems to only benefit a lender to keep getting money from people who pay.
Consumer complaint received 2021-06-23
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: RSH & Associates, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CO)

Was scammed on the phone and internet money was deposited into my account the bank released the money to me and the scammers had me buy gift cards and send them the card information my account was hit a few weeks earlier and now they are trying to make me pay the deposit that they put into my account {$860.00} iam on XXXX and can not cope with all the damage this has caused me and my ability to provide for my mother
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX Experian and XXXX just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.
Consumer complaint received 2022-10-24
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I sent money via Zelle through my bank XXXX XXXX to a scammer who stole my money. I have reported it to the claims department and they have instructed me to reach out to the recipient to request they send me the money back but the person was presenting to be someone else and solicited me for a service. They have not responded to me. I reported their account with XXXX but they stole if and will never just hand it back over.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account listed below is being reported inaccurately on my TransUnion credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 


XXXX XXXX Bank {$810.00} Account # XXXX