davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Comerica (MI)

I have been a premium customer of Comerica Bank for XXXX  years. On the morning of XX/XX/XXXX, I received an email from Comerica stating that an amount of {$2600.00} was transferred via XXXX to somebody that I did not know. I immediately contacted Comerica and notified them that this was a completely fraudulent transaction as I had no idea who this person was. I insisted that Comerica should immediately suspend the transaction and refund the amount that was fraudulently taken out of my account. Despite my repeated requests Comerica refused to do so. All they said was that they would have to conduct an investigation that would take 10 days are more and after that investigation they would let me know IF the money could be refunded to my account. They said they were not liable for XXXX fraud and implied that I may be at fault. This is extremely stressful and scary that a big bank would just let this happen with no concern for customer protection.
Consumer complaint received 2021-11-02
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX 2017
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to AMEX. AMEX stated that XXXX of the accounts was canceled then that the other account we received a card and used it and would not be considered fraud. Which I never authorized opening any accounts, nor did I sign for any, also I never used the stated card. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. I have since found out that AMEX Lawyers have been talking to and negotiating in arbitration with the person who stole my identity. They have a phone number on the court website that isn't mine and are continuing to discuss this matter with someone who is not me. Since then we have contacted the XXXX XXXX department and initiated an investigation. AMEX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated. AMEX has continued to move forward with pressing charges against me despite my identity being stolen. I am unsure of the exact account numbers that are being used because I don't have access to anything regarding the accounts or the statements
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently looked at my credit report and noticed numerous fraudulent unauthorized credit inquiries listed on my credit report for the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to AMEX. AMEX stated that the account was canceled then in XXXX it populated back onto my bank account. I never authorized opening any accounts, nor did I sign for any cards, also I never used the stated card. I have no active AMEX cards opened in my name, nor have I ever opened one or missed a payment with my credit cards. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. Since then we have contacted the sheriffs fraud department and initiated an investigation. AMEX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VT)

My account as a XXXX person let me send money through Venmo for students, Venmo had no right to freeze then threaten deactivation of my account with funds still in it, at first the Venmo person XXXX XXXX said she couldn't validate me is why she deactivating my account, but then in her last email she admitted she decided to validate me, yet she decided she is still going to XXXX on me for my XXXX because she didn't like my selfies as much as her own ever since then she wanted to discriminate me then blame me for nothing but harassment and XXXX with being XXXX XXXX and XXXX.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Butler and Associates, PA (KS)

The company ( who has already secured a legal judgement & garnishment order against me ) has attached this debt to my driver 's license. They say that if I do not make payments of at least $ 100/mo, my driver 's license will be ( and has, twice ) suspended. They no longer are allowing missed payments or paused payments due to financial hardship. This is causing a major stress in my life.
Also ... my veteran status is due to service in USPS, which was n't listed in the dropdown menu ( not the XXXX ).
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitolone closed my debit card account in error which made me unable to buy anything with my card. They then told me I may have to wait until Thursday fora new card. 

It is unacceptable to wait until Thursday because of Capitolone 's mistake. 

Also they hung up on me 3 times when I express that I do not agree with doing without a card for three days.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I made a mobile deposit on XX/XX/2024, with the understanding that funds will be available the next business day ( XX/XX/2024 ). Upon completing the deposit, Capital One mobile app indicated that deposit will be available on XX/XX/2024. I called customer service and asked for clarification. I was told that there should not be any hold amd the funds will be available on XX/XX/2024. I told the XXXX about the mobile app indicating otherwise but the XXXX stated that I should not go by what the app is indicating. I was satisfied and got off the phone. An hour or so later, I received an email from Capital One stating that they received XXXX ' information that there is an increased risj that the check I deposited will not be cleared. It also stated that I will have to wait until XX/XX/2024. I called the bank again and talked to the XXXX about the issue. I asked the XXXX to cancel the deposited check if there was increased risk. She stated that the check can not be canceled and there is nothing she could do. I asked for someone from the management team to assist and I was transferred to XXXX XXXX ( Employee ID # XXXX ). I apprised him of the situation and asked him to cancel the check if there was increased risk based on bank 's confidential information. He stated that there is a hold and he can not discuss any further or cancel the deposit. I asked him again to verify if the funds were available with the check issuers bank but he stated he can not do that either. I got misleading answers from the XXXX 's and the management team for XXXX hours. I also asked XXXX XXXX to close my account but he stated that I can not CLOSE my account because of the issue I was having. XXXX XXXX also stated that the system overrides any manual changes. I asked for his full name but her to give it to me saying he simply can not do that. I never got straight answers from any employee of Capital One. It was a terrible experience.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (GA)

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to XXXX. XXXX stated that one of the accounts was canceled then that the other account we received a card and used it and would not be considered fraud. Which I never authorized opening any accounts, nor did I sign for any, also I never used the stated card. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. I have since found out that XXXX Lawyers have been talking to and negotiating in arbitration with the person who stole my identity. They have a phone number on the court website that isn't mine and are continuing to discuss this matter with someone who is not me. Since then we have contacted the sheriffs fraud department and initiated an investigation. XXXX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, inaddition to all of the fraud that has been accumulated. XXXX has continued to move forward with pressing charges against me despite my identity being stolen.
Consumer complaint received 2021-11-02
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. (NC)

XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.
Consumer complaint received 2021-11-02
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. (TX)

I RECENTLY REVIEWED A COPY OF MY CREDIT FILE. I DISPUTED SOME ITEMS THAT WERE NOT AUTHORIZED. TWO OF THE THREE CREDIT BUREAUS REMOVED THOSE ITEMS. I HAVE SENT A COPY OF THE ITEMS THAT WERE REMOVED, UNDER THE FCRA ANY ITEMS THAT HAVE BEEN FOUND TO BE IN ERROR OR REMOVED MUST SHARE THEIR FINDING WITH THE OTHER THREE MAJOR BUREAUS ARE REMOVE ACCORDINGLY. THEY REFUSE TO FOLLOW THEIR OWN GUIDELINES IN PLACE.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (CT)

XXXX contacted me to upgrade my phone inn XXXX. I went to a corporate store and traded in my phone, they provided a number for the special department to call for a larger trade in credit because I was trading in a premium level product. I never received the credit of over {$400.00} and in XXXX I canceled my service with XXXX. Ive contacted them numberous times about my credit and keep getting transferred to their special department, then when dealing with the department they let me know they need to call me back. I never receive a call back and start the process all over. Now Im sent to afni collections and the rep was XXXX and keeps repeating the same information. This is illegal in my eyes that I can receive my and get this account closed. I have good credit, pay my bills on time and havent had collection issues in the past. I need this to be addressed as Im trying to buy a house.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (AZ)

I have a credit builder account with Kikoff that I pay monthly for positive reporting to the credit bureaus to increase my score. My credit report is showing that my Kikoff balance increased, which dropped my score several points. This is not the first time Kikoff has made a mistake and reported negative/incorrect information to the bureaus and temporarily decreased my score. his needs to be corrected asap, as I dont pay for this service monthly to have my credit score decrease.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

For the past week it has been nearly impossible to access the account to check balances, make payments, monitor interest, etc. The login page loads almost immediately, but when trying to go any further the page either does not load or it kicks back to the login page. This is not due to incorrect account information, it is the system itself that will not load. The only thing I've found successful is to try at multiple times through the day, and OCCASIONALLY I can make it through after about 20-30 attempts. This is ridiculous, especially from the " Official Service Provider for Federal Aid ''.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (SD)

I opened my XXXX XXXX  account for the first time in a long time and noticed that my credit score was atypically low. I usually have excellent credit and it is now average. Upon further investigation, I noticed that JP Morgan Chase was listed many times over, across several credit agencies. I have never opened a JP Morgan Chase card in my life. 

I spoke with XXXX ( ID Number : XXXX, Department direct line : XXXX XXXX XXXX ), from their Fraud department. He informed me that someone had opened an XXXX card in my name in XXXX and charged around {$4500.00}. I also noticed that on my credit report, my social security number is listed several times, as well as my email, as " compromised ''. To compound the issue, I just relocated to XXXX so I am limited in what I am able to do from here. I reported it as fraud with the company and now I am submitting reports with any agency I am able to.
Consumer complaint received 2024-03-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

OneMain Financial contacts me repeatedly during the day and on weekends. They have contacted me daily at least twice a day everyday. This is clearly violating my rights. 

I have asked them to stop contacting me, I have even blocked their numbers and they called for other numbers. The have even started texting me. This is getting to the level of harassment. 

Numbers they have contacted me from XXXX and XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I tried calling the company. It gets me to an automated voicemail where it asks me for my social security and my credit card pin ( Which I dont have because I never had an account with them ) my only XXXX credit checks for my auto loans are with XXXX XXXX  and XXXX XXXX XXXX XXXX I have two vehicles and those are the only two companies who I pay. I dont know why I have a fifth bank hard inquiry in my credit report. I never authorized them to check my credit when I was financing my vehicles.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I have collection that was removed already from my credit report because they dont belong to me and these same collections have reappeared on my report : CAVALRY PORTFOLIO SE ACCT # XXXX ( which is a collection agency ) stated i opened an account on XX/XX/XXXX which is false! I have no knowledge of this account. Reporting to all 3 credit bureaus XXXX  XXXX XXXX ACCT # XXXX ( which is a collection agency ) stated i opened an account XX/XX/XXXX which is false i have no knowledge of this account. 

Both collections reporting to my XXXX report. 

XXXX XXXX XXXX XXXX  ACCT # XXXX ( Which is an collection company ) stated I opened an account XX/XX/XXXX which is false because this account doesnt belong to me. This account is reporting to XXXX.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IN)

Adverse action against a consumer is illegal according to the Equal credit opportunity act which is codified in 15 usc 1691c. As a consumer, it is my right to be extended credit. I was denied an extension of my own credit by American Express. I reached out to American Express several times to resolve the issue and received no response. 
I also emailed investor relations regarding the application they received from me, making them aware of the mistake on XX/XX/year>. I was denied an extension of credit, my application reference number XXXX Im aware that my application was turned into a receivable and pooled together with other securities on the secondary market, which American Express made a profit from. Based on American Express recent XXXX filing and prospectus report with the SEC... the proceeds to purchase additional receivables from American Express National Bank or for its general company purposes, including repayment of loans by American Express National Bank to RFC III. AENB will be used for general corporate purposes, which ultimately makes me an investor. I'm requesting in good faith the immediate reconsideration of my credit card application ( open-ended ). If you choose not to abide, I'll be forced to contact the proper authorities ( SEC ) ( IRS ). I'm also requesting the return of my securities
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I initiated a transfer of {$25000.00} from XXXX by Goldman Sachs to my XXXX XXXX Savings account. This transfer was rejected and reversed. When I called to see why, I was notified that since the funds haven't been in my Marcus account for at least 90 days, I can only transfer the funds back to bank where they originated from ( XXXX XXXX ). I never agreed to this when I first opened the account. Also in the Marcus app, the funds are stated as " available to use ''. I believe this is deceptive because the funds are not available for withdrawal. They can only be returned to the original bank.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Citi Bank sent me a billing with charges from XXXX in XXXX Texas on XX/XX/2023. 
on XXXX charges from XXXX XXXX and XXXX. In repeated recorded conversations I Denied each one of the charges totaling Appx {$6300.00} with Late charges. There were only two charges on the bill of {$1.00} from XXXX that were actually mine! In fact on XX/XX/2023 I sent a check for {$2600.00} paying off the total balance! I got a letter saying the cards EMV chip was used to make the disputed transactions and at a chip enabled card reader. You stated that the card was in your possession so we do not consider this fraudulent activity!

I believe they reported it to a credit agency. I got a call from my bank thats was concerned.I got a call from maybe a debt collector saying my score was reduced XXXX points! Other Bankers have told me that they would never have charged these unauthorized charges. I live in Florida and the charges stores in Texas. In fact one of the billings I received used my name and an address in Texas!! I am refusing to pay these charges and Citi-Card keeps trying to collect on the closed accounts. Do I need an attorney to stop this harassment and unethical behavior?
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc. (WA)

Have made repeated attempts to contact this creditor to discuss repayment and credit reporting. They do not respond to phone calls or voicemails, simply directing debtors to pay online via their website. Given this collection agency 's reputation, I am not willing to simply give them money without knowing when they will remove this from my report. I attempted to dispute this via XXXX  without success. 

RENTON COLLECTION # XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$950.00} Date Updated : XX/XX/XXXX Original Amount : {$950.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX - Unable to reach, sent to voicemail XX/XX/XXXX - Attempted to call again, no answer XX/XX/XXXX - Attempted to call again, no answer, left voicemail