davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account XXXXXXXX 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 2022-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NJ)

I am another victim of the theft of crypto assets from an IRA account maintained on XXXX XXXX XXXX. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Consumer complaint received 2021-05-08
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: JPMORGAN CHASE & CO. (NV)

I am not sure what happened to cause JP Morgan Chase Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX XXXX and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with JP Morgan Chase Bank XXXX XXXX XXXX. I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Consumer complaint received 2022-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

I have never opened an account with XXXX XXXX XXXX XXXX. I have knowledge of this account or how they accessed my billing information or social security number. This account plain and simply is not mine. Nor should it be registered to XXXX XXXX as I have NEVER opened an account under my name with said company. Please investigate that identity theft may have occurred here!!! I also want proof that I opened this account. Please remove this from my credit report.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST HORIZON BANK (FL)

On the first week of XXXX I noticed XXXX transactions on my Bank account at First Horizon Bank XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX which I did not recognized. I immediately went to the bank to inform them and dispute the charges. The clerk informed me that my debit card had been compromised. She took my debit card and destroyed it and issued me a new debit card. However, she did not cancel the compromised debit card. 
The new card was never activated. 
On XX/XX/2022 the bank send me an email informing me that my account had been overdrawn. I immediately went to investigate. I asked the manager to provide me with a statement. It was 9 pages long! Upon examining the statement I informed her they were not my charges. We talked and the manager asked me to file a police report, and the Bank said they would start an investigation once they receive the police report.

I provided the bank with the police report. No one had requested it only told me they were waiting A week - 10 days - later the bank presented me with a check in amount of {$8000.00} as a replacement - I think for cash withdrawals. 
The last XXXX  days, I have contacted the many times over and over again concerning the matter ; only to be told we are investigating and can not give you a date when it will be completed. 
Please investigate and assist me in how to get my funds back from the bank
Consumer complaint received 2021-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

On XX/XX/XXXX Jefferson Capital sent me a letter about a debt that I supposedly owed to XXXX. I sent them a letter asking them to send me proof that I owe the debt since I know I do not owe the amount they specified. They didn't send me anything and had my letter sent back to me. Then on XX/XX/XXXX they sent me another letter asking for payment on the debt. I ignored it and received XXXX more letters one on, XX/XX/XXXX, XX/XX/XXXX and the most recent on XX/XX/XXXX. I have not tried contacting them via phone because I know it's a scam and I know I don't owe the amount they're asking for.
Consumer complaint received 2021-05-07
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. (CA)

There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Chime Financial Inc (NY)

I purchase something but never received the purchase I call my bank and let them know about the transaction and they were supposed to send me an email I never received the email I contact the merchant they refused to give me back my money but I never received an email from my bank still waiting for them to contact me and they never did
Consumer complaint received 2018-05-01
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)

Hard Inquires that I didn't make on my credit, please see company below that I did not contact! 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Having all these inquires is making my score go way down and I never contacted these companies above. Thank you
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (MO)

Saturday at approximately XXXX XXXX, I purchased a paypal prepaid card from XXXX XXXX XXXX for {$170.00}. When I tried to activate the card, the net spend company said I needed to take it back to the store that got it from because it wasnt properly marked as sold. So I did this and the manager said their books evened out and basically it wasnt their problem. Everytime I try to activate I get told the same thing. Its been 3 days now and Ive heard nothing from either end about a solution. Between the 2, someone basically took my money and neither side plans to give it back. Ive never had this problem before but it will be the last. Especially if theyre just gon na take my hard earned money and place blame on the other party. Im tired of doing this circle already and Id like my money. Either cash in hand or on the card it was supposed to load onto
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (IL)

I received the below email. I have not nor do I order from the company Paypal. I have no idea what the transaction is about!!! Its a fraud! They are attempting to get money from me! Help stop them! 

PayPal Date XXXX Invoice ID XXXX Dear XXXX, Your authorization for the payment of {$920.00} to XXXX XXXX XXXX is successful. 

This charge of {$920.00} ( inclusive of taxes ) will appear on your bank or card statement as payment to XXXX XXXX XXXX To view all the transaction details, please log-in in to your PayPal account, it may take up to 24 to 48 hours for this transaction to appear on your account. 

PayPal Customer Support for USA & XXXX XXXX XXXX XXXX XXXX. Please check the receipt for detailed information on the purchased. 

Merchant Information Any Specified Instructions : No XXXX XXXX XXXX. 
( A XXXX XXXX XXXX ) Delivery Method : Online ( XXXX ) Order Details : Description Qty Unit Price Total Amount Bitcoins BTC - XXXX XXXX {$42000.00} {$920.00} Sub-Total {$920.00} Transaction Fees {$30.00} Order Confirmation {$950.00} If you did not authorize the charge, you have 72 hours from the date of transaction to open a dispute with PayPal Resolution Center.

For any assistance or questions, please contact our Customer Support @ XXXX XXXX XXXX XXXX. Please keep the Invoice ID handy for faster resolution. 

This is a system generated email. Replying to this email will not cancel your charge. Please contact our Customer Support, if you wish to stop the charges getting in to effect. 

Thank you for your payment with us PayPal Billing Support We hope to see you again PayPal Date XXXX Invoice ID XXXX Dear XXXX, Your authorization for the payment of {$920.00} to XXXX XXXX XXXX is successful. 

This charge of {$920.00} ( inclusive of taxes ) will appear on your bank or card statement as payment to XXXX XXXX XXXX To view all the transaction details, please log-in in to your PayPal account, it may take up to 24 to 48 hours for this transaction to appear on your account. 

PayPal Customer Support for USA & XXXX XXXX XXXX XXXX XXXX. Please check the receipt for detailed information on the purchased. 

Merchant Information Any Specified Instructions : No XXXX XXXX XXXX. 
( A XXXX XXXX XXXX ) Delivery Method : Online ( XXXX ) Order Details : Description Qty Unit Price Total Amount Bitcoins BTC - XXXX XXXX {$42000.00} {$920.00} Sub-Total {$920.00} Transaction Fees {$30.00} Order Confirmation {$950.00} If you did not authorize the charge, you have 72 hours from the date of transaction to open a dispute with PayPal Resolution Center.

For any assistance or questions, please contact our Customer Support @ XXXX XXXX XXXX XXXX. Please keep the Invoice ID handy for faster resolution. 

This is a system generated email. Replying to this email will not cancel your charge. Please contact our Customer Support, if you wish to stop the charges getting in to effect. 

Thank you for your payment with us PayPal Billing Support We hope to see you again
Consumer complaint received 2020-07-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act 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 2019-02-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: DFC Global Corp. (CA)

I tried to make arrangement to pay off the amount with company but was unable to so I asked on how to stop ACH so I can send payment in at a future time. I was told to send an email and it would stop. 
I sent an email to request to stop ACH on XX/XX/XXXX and on XX/XX/XXXX they with-drawled XXXX and I was also charged NSF XXXX. I spoke with XXXX and she said it was their error and I followed everything I needed to do. I then again emailed and called her 3 more times and each time I was getting the run around. On XX/XX/XXXX I was credited the NSF fee but not the original amount. I again sent an email asking me to send my bank statement which I did a week ago more runaround or delayed tactics. 

I could not pay my other bills which also cost me more NSF fees. Bottom line is that they took out money from my checking account illegally and admitted wrongdoing but has not fixed the problem.
Consumer complaint received 2022-06-26
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. (LA)

credit card account was opened in my name fraudulently. XXXX XXXX Bank refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

My previous landlord wrongly claimed I didn't give them advance notice for moving out and therefore they renewed my lease. This is not the case and I did give them notice for my intention to leave at the end of the lease but they failed to process it, and report a termination fee to a debt collector. 
Hunter Warfield didn't resolve my dispute even though I sent them documents showing my notice to not renew the lease to the XXXX XXXX. 
In summary, the debt collector chose to report that claim and influence my credit report even though they knew it was wrong. 
Please see the attached documents on my communication and proof of me giving them enough notice. 
Notice that in attachment 1, I notified XXXX XXXX on XX/XX/XXXX about not renewing my lease which ended on XX/XX/XXXX ; more than 4 months in advance and the lease only required XXXX notice.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my Business account without notifying me and send me a letter with enclosed amount to the XXXX XXXX XXXX I couldn't cash that check anymore because of Chase refused to do that. The only option I have is going to another bank and open a new business account which is a big hassle as I have partners from different states. Chase refused to provide me any reasons why the XXXX XXXX account is closed without a prior notice. 
Now I have cashiers cheque sitting at home and can't cash it to make the payments because it is under the corporation name. 
Thank you
Consumer complaint received 2022-07-30
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. (PA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-05-07
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. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX  XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

AFNI Collections has reported a collection account to my XXXX  XXXX XXXX  credit files stating that I owe {$510.00}. I do not owe this alleged debt. All equipment was returned to XXXX XXXX XXXX. I have the receipts, therefore AFNI has no legal right to attempt to collect a debt. There is no debt owed. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/22 - {$200.00} sent from my XXXX to a fraudulent recipient. I called Bank of America immediately ( within seconds of the transfer at XXXXXXXX XXXX  ) to let them know the situation and they told me they cant do anything other than open a case which can take 90 days to look into and they will likely be unable to get my money back. I was sent several fraudulent emails from someone who was impersonating XXXX and Bank of America saying that I had to transfer money in order to get my account activated so they could then purchase something I had posted on the XXXX XXXX. I was scammed and the bank basically told me Im out of luck.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I checked my account and was overdrawn {$1.00} ( XXXX XXXX  and XXXX XXXX  ) I XXXX  myself {$3.00} to clear the deficit. On XX/XX/XXXX @ XXXX ( I work overnight, my check normally posts at XXXX ) I sent myself {$100.00} ( XXXX XXXX dollars ) to make a payment and to keep a couple of dollars for incidentals. I checked my account at XXXX am and was charged a {$34.00} fee for NSF. I called the bank to dispute charge and was told they would not reverse the fee because they had already done a reversal in XXXX. Which was caused by them with the same issue. Back story I have paid thousands of dollars in fees because they constantly rearrange my transactions to justify their erroneous charges. In the past I have just " eaten it '' because I really don't like to argue but in the midst of everything that is happening in the world I can no longer afford to be stolen from.