davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I made a purchase on XX/XX/2022 totaling {$940.00}. The purchase was for 4 pairs of shoes for my family. I opened a dispute on XX/XX/2022 with PayPal as I had not received my purchased goods and the company I ordered from went insolvent. Under PayPal 's buyer protection policy, they state that I, the buyer, am entitled to a full refund should the order never arrive. I went without any updates from paypal until they finally responded 3 months later on XX/XX/2022 saying that my case was closed and I had lost due to the fact that they didn't cover " items intended for resale ''. They abruptly denied my claim with absolutely zero evidence as I am a normal consumer trying to purchase shoes for my family. Paypal is defrauding consumers claiming they will cover buyers if there are issues with their purchases, but clearly they do not stand by their own policies.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates (MI)

On XXXX XXXX, I sent a certified letter to LJ Ross Associates, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but XXXX still has it.
Consumer complaint received 2021-12-23
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)

On XX/XX/XXXX, I contacted Citibank customer service at XXXX to discuss Citi 's proposed terms and conditions changes. My call was routed to an XXXX based call center where the agent immediately cancelled my account. I do not believe the XXXX call center representative understood XXXX XXXX and or XXXX English-slang. My account started in XXXX was cancelled and Citi won't reinstate it. 

Reading the second page on Citi 's terms and conditions brochure, Citi has violated my Consurer Credit Protection Act rights under the federal Equal Credit Opportunity Act. Essentially nearly every category of violation prohibiting creditors from discriminating based on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has entered into a binding contract ) for an existing account occurred. 

Citi 's offshore call XXXX call center won't help. Citi 's onshore representative stated " nobody ever reads the terms and conditions '' -- but I do and did. I should not be penalized for an account in good standing with Citibank. At having to start a new can and wait another ( XXXX ) years for it to have the tenure my Citi card had is just unacceptable. 

Please intervene and force Citi to respond to this complaint. 

Regards -- XXXX XXXX PS Contact today by voice message, text message and e-mail Citibanks XXXX ( XXXX XXXX XXXX, Senior Vice-President ( XXXX / XXXX ) in an attempt to have this matter resolved.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

Called EdFinancial on XX/XX/2022 to request a refund per the CARES Act. I provided all the requested information. The customer service representative stated that a request was processed and I should see my balance change and a refund in 6-12 weeks. She stated she could not provide confirmation of the request when I asked multiple times. 

Via Chat XX/XX/2022, I asked for confirmation of the request and was told they could not provide confirmation. My account balance has not been updated and I have not received a refund. 

Called EdFinancial on XX/XX/2022 and was hung up on when I requested verification that my refund request was submitted.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX. I have been a victim of ID theft for about a year now. I have tried to do the right thing by reporting my information stolen, etc. yet the credit companies continue to report a few of the items involved in the ID theft as correct or accurate. Pls assist me in having them correct it. Thank you
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XXXX  account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Uprova Credit, LLC (NE)

I was contacted on XX/XX/2021 that I had a payment due in the amount of {$270.00} on XX/XX/2021. I've never applied with the company nor authorized them to open a payday/installment account in my name. Furthermore, I never received funds from said company for said account. 

I reached out to them on XX/XX/XXXX to submit a fraud complaint and have not heard from anyone within the company. I've called daily for an update and no one can give me any information as it pertains to this account. 

After researching this company it is known that Uprova has done this to multiple other people and even sent their accounts to collection. 

This is very illegal business practice and should not be tolerated.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (FL)

Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XX/XX/2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!
Consumer complaint received 2021-10-15
Product: Debt collection — Medical 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: Rothman Evans, P.C. (NY)

XX/XX/2021 I called collections to clarify the validity of bill and ask for an itemized bill as this bill was previously disputed and no further action had been taken. A woman by the name of XXXX, had explained that my bill came from XXXX  and the date, and this amount $ XXXX but couldnt tell me what the amount was from. She stated I would need to sign a waiver to give them permission to get my medical record. When I asked if they had a medical professional working on that office she got upset. I asked to speak with her supervisor. A woman by the name of XXXX got on the phone and repeated what the first woman said. So I told her it made no sense to release my medical records to them if they didnt have a medical professional in the office to decipher medical jargon and shorthand. She got rude and threatened that I would need to pay the bill or go to jail and or court which ever came first and then hung up. 
I never received anything else in writing from them or phone calls. Then I was approached by a sheriff XX/XX/2021 about another bill and since I refused to give him personal information he stated I hope they garnish EVERYTHING you have. 

I do not appreciate the method of recovery and being harassed by law enforcement for this collection.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on equifax, XXXX and XXXX. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (FL)

Looks again this month on my credit report for Equifax. Again still showing an inquiry from XXXX card service- national credit card Cos. This was not made by me. This was done fraudulent. Part of identity theft. I was told in an email and it was reported by Equifax this inquiry will be take off. Still today it has not been taken off. Please take off this fraud inquiry thank you.
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (NJ)

The most recent card opened in 2017, I don't recognize and I don't/never had an account with. 

Most Recent Account XXXX XXXX ( Opened XX/XX/2017 ) It also says I have {$18000.00} in revolving debt that I do not know about. I have my credit cards that I know and I have a small balance on one ( > {$2000.00} ). 

So I am confused ... either that is a mistake or someone took a credit card out with my information.
Consumer complaint received 2021-12-22
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: CITIBANK, N.A. (TX)

Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law. 

Enforcing laws that outlaw discrimination in consumer finance. 

My complaint of retaliation and discrimination, and deceitful, unfair and abusive practices keeps getting stated that it is the same complaint. 

It is illegal for a company to retaliate for filing a complaint, but Citibank has done just that. I have filed a complaint with the Ombudsman to ensure that conspiracy to rob me of my rights is not taking place. 

Citibank lied and stated that I did not pay them in XXXX XXXX XXXX. I submitted proof that they were paid the minimum amount on XX/XX/2021. My payment is due on the XXXX if each month. I am resubmitting proof. They also reported a high balance. 

As soon as I filed this first complaint to the CFPB, a day later Citi retaliated by reporting me late to all three FCRAs, this dropped my score XXXX points ; although their policy does not permit reporting of a consumer until after 60 days of non-payment- which would be XX/XX/2021. 

As a result of the discrimination and retaliation, I filed a new complaint with the CFPB, and the negative reporting was immediately removed. My score went back up to the original score the next day-XXXXback to XXXX points higher. 

On today XX/XX/2021, due to the fact the the CFPB threw out my retaliation and discrimination complaints regarding Citi inequitable application of polices, and paid multiple payments since then, Citi has AGAIN abused thier power and retaliated by reported me late ; although I have never reached a 60 day late status and my balance is much lower-almost {$1000.00} lower. 

I have filed an Ombudsmen report as Citi is being allowed to discriminate freely by claiming their retaliatory and discriminatory actions are, repeat, complaints. 

This is an abuse of the system put in place by the Obama administration to protect XXXX women, and other minority groups that are abused by these large corporations. Is retaliation not protected in this space as it is in other governmental sectors? 

Please advise.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WA)

In the beginning of XX/XX/2021 I received a letter from from chime stating that IRS was requesting documents. ( During covid my divorce finalised and was waiting to change my name ). The letter said no later than the XXXX. On the XXXX I messaged them asking how I can send them and what documents were needed. I turned all the information in, they sent me a email congratulating me about my name change and sent me a new card. I activated it around the XXXX of XXXX used it and by the XXXX my account was closed. I tried getting in contact with someone and an automated voice over the phone just said my account was closed and I cam reach them over text chat on the phone app. So I tried logging in only for it to tell me that I needed an account to log in. So I reply to the last email I had with them and they said we never got the info. Immediately I responded with that was incorrect and sent them a copy of the new debit card and my new ID. They responded back and said that's just your ID we need the other information. So I sent it another time. Waited a few days with no response. So I keep messaging them, still no response. Finally, I said forget it and said I want the account closed and to send me the money in the account ( 7,000 dollars and maybe more because my child tax credit is usually deposited around that time ). Still no response on anything about my money. Its been over a week and I haven't heard anything back from them.
Consumer complaint received 2022-08-24
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date Late Date XXXXXXXX XXXX XXXX XXXX  XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WV)

I have had my Amazon Store card for over 5 years now and never missed or was late on any payments ( 72 ) to be exact. I recently closed my account but still have been paying on my XXXX balance, my bank offers a better rate and Im trying to do away with some credit cards I have. Just prior to closing my I got a notice that my XXXX payment in the amount of XXXX was paid then returned by my bank, the dates Synchrony Bank who handles Amazon said this all happened on XX/XX/21. After checking with my bank no transactions took place on that date, the XXXX was processed on XX/XX/21 and was never returned unpaid. I sent my bank statements as proof but after 30 days I was told they needed more proof, so I sent more and again got a letter stating they needed more proof. I have contacted my bank and they are gathering as much proof as they can to show it was paid. In the meantime I signed onto my account to make a payment on my XXXX balance only to see it has now grown to XXXX?. Remember this account was closed by me. I immediately called Synchrony and questioned the increase, after 20 minutes the rep said it was a payment adjustment but all she could see was XXXX?? I was then told she would refer it for investigation and would here back in 90 days. These the same people who cant even credit my account the money I paid and truly dont trust them to resolve this new issue They Created. I need a third party to over see what they are doing because in the process there going to affect my credit if it isnt resolved.
Consumer complaint received 2019-06-20
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. (NY)

My personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved
Consumer complaint received 2022-09-29
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: CITIZENS FINANCIAL GROUP, INC. (TN)

I recently got a copy of my credit report & im seeing inquires on my report that I didnt authorize. I called the police department & they told me I may have been a victim of identity theft.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I, XXXX XXXX, give authorization for I.C. SYSTEM, INC to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH I.C. SYSTEM, INC. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

This is a charge from XXXX XXXX XXXX XXXX XXXX for my/my sons stay during XX/XX/XXXX when he was born. I had full insurance through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX insurance through XXXX XXXX and XXXX. I have contacted the XXXX XXXX XXXX XXXX  XXXX 3 times PER YEAR SINCE XXXX to get this charge dealt with. Every time I contacted them from XXXX I was told that the hospital needed to resubmit the charge to my insurance, when I contacted both Insurance companies I was told that the hospital never did that, but that if they had the amount would be paid in full. Since XXXX when I reach out to the hospital I get ZERO response.
Consumer complaint received 2020-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NE)

First had federal loans with Sally Mae then they were purchased by Navient. As of XX/XX/2019 they had me respond yes to postpone repayments. I have not received if they have them or a different lender. On XX/XX/XXXX was informed they were at collections and more than what I knew before. Also derogatory marks on my credit would be nice to be removed. I always am honest and take care of them on time when contacted.