davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

5 months ago I realized I am being victim of Identity Theft caused by the Cyber hackers. I scrutinized all reports from CRAs and found out several fraudulent accounts were opened without my knowledge. One of them is XXXX/ XXXX account which was opened and being activated in period time XXXX-XXXX with current status Charge-off. Following the instructions of the solving process, I filed complains as victim of Identity Theft with FTC report, Police Report, Victim ' Complain and Affidavit with Police Sheriff Dept, FBI IC3 complain, as well as with all financial institutes that have bank cards involved. In dispute I declared the accounts resulted from Identity Theft and enclosed all documents as evidence. So far some fraudulent accounts are satisfactorily resolved and deleted from CRAs. However, I ve still been struggling with CBNA for back and forth disputing of an account without solution. They insisted the fraudulent account opened under my name and I am the one who is benefit from card services. CBNA never properly responded or showed me the legit investigate process to have their conclusion in correspondence though I requested CBNA validating all verifiable terms in dispute letters to prove whether the account is mine or to show how the cards was used. They only sent me the original application and 6 months bill statements. The application is showing a fake signature of applicant which is not even close or similar to mine. The statements showed the bills was being paid automatically by a bank that I never had or associated with. I think this is enough, In the past 5 months I sent out 5 dispute letter to CBNA fraud Dept and they ran 3 times re-investigation for the same conclusion : " I was the who benefit from card services '' without explaining how they did with investigation steps. I decided to go forward with CFPB complain and probably a lawsuit with General Attorney office for their lack of cooperation in this matter.
Consumer complaint received 2018-07-25
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. (MS)

i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I currently have requested enrollment into the SCRA/Sailors and Soldiers Relief Act through Citibank for the 2 credit cards i have. i have spoken to Citi Customer Service multiple times. During the conversations with customer service the SCRA reps at Citi explained i should have already been enrolled. if i provided the paperwork they could enroll me. I have provided all required paperwork and each time i get a written response explaining they weren't able to enroll me. after multiple attempts my interest remains at 29.9 %
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

On five occasions, Best Buy credit card attempted to withdraw money from my savings account even though the information they have is for my checking account. Their procedure is to attempt the withdraw 3 times, so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Best Buy attempted the withdraw from my savings account and I was hit with a {$34.00} fee each time due to insufficient funds since the funds were in my checking account. XXXX XXXX XXXX XXXX XXXX graciously refunded me half of the charges, however, Best Buy would not refund me the remainder. I added a different banking account at that time and paid my XXXX bill, and was told no payment would be attempted from the XXXX account. I also cancelled my autopay. However, in XXXX, they again attempted to withdraw the money from my savings account twice, on XX/XX/XXXX and XX/XX/XXXX and I was again hit with two {$34.00} charges. I spoke with XXXX with disputes and XXXX with operations ( XXXX ) and XXXX ( operation number XXXX ) who all told me it was not their fault and that they would not be able to refund me the fees.
Consumer complaint received 2022-03-29
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MN)

Today just a few minutes ago Wells fargo sent a letter to XXXX  and I will attach it. They didnt ask for more time there saying something totally new and false. I am not owed a refund and my truck sold for XXXX and I owed XXXX neither are true. I am starting to really wonder what is going on at wells fargo being they told you all 3 times today there still working on it. 
Lies
Consumer complaint received 2022-08-21
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: AMERICAN EXPRESS COMPANY (FL)

AMEX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (PA)

Include dates, amounts, and actions that were taken by you or the company : In XXXX I had spoke with a rep from IC system who asked me if I could use the child tax credit payment on this bill that was on collections with XXXX. I kindly said I would call back or make another arrangement. I found my documents and started making payments online in XXXX XX/XX/XXXX I received a call from IC System concerning a collection account from XXXX. I started making bi weekly payments of {$25.00} via internet back in XX/XX/XXXX to IC systems. The rep confirmed that she did see the payment. I also received emails from XXXX confirming payment! was received to them I guess. The company still calls me although I am making payments. I had paid off another account with the same company two weeks ago. They can clearly see that I am making payments. I thought they were calling me about another account however it was for a XXXX bill that they do see payments are being made.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (CA)

XXXX XXXX XXXX sold this information of an account that was fraudulently established against me and now are trying to collect same debt that XXXX sold to them regarding the same account defaming my profile.
Consumer complaint received 2018-07-25
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. (GA)

Prior to XXXX XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

Greetings, Thank you for trying to protect us from evil. First off, I have been a Chase customer for many years and I have PAID OFF SEVERAL BALANCES ON TWO CARDS. My balance is 0 now, I have not used card in a few months and I am getting phishing scams on a personal email for my info., so I call Chase to lock my acct. for a few months, because I don't want to close acct., effecting my credit score. They are oh so nice and tell me yes they can lock both my business and personal acct. for a few months, just call when I want to use. Now today I get an email, telling me, if I don't use my acct. THEY WILL CLOSE IT. Chase is the most evil company I have ever dealt with & they need to be held accountable for their evil practices against customers who have paid their debts for years & have excellent credit and THESE COWARDS NOW WANT TO CAUSE MY CREDIT SCORE TO BE LOWERED BY CLOSING MY ACCT. PLEASE PLEASE ADMINISTER FINES TO THIS COMPANY FOR CUSTOMER ABUSE. I DON'T WANT TO CLOSE MY ACCT. BUT THESE COWARDS ARE FORCING ME TO CLOSE THE ACCTS. BECAUSE I AM FOCUSING ON PAYING OFF MY DEBTS AND THEY CAN'T STAND IT. PLEASE HELP US PROTECTION BUREAU.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Equifax with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus
Consumer complaint received 2021-11-28
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: ALLY FINANCIAL INC. (FL)

I filed a dispute in regards to the incorrect items on my credit reports XXXX XXXX it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX with no successful resolutionXXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX,XX/XX/XXXX XX/XX/XXXX / XXXXXX/XX/XXXX
Consumer complaint received 2020-09-18
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. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-19
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: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX - A purchase was made to an online seller for custom digital art in the amount of XXXX XX/XX/XXXX - An internal dispute was opened with XXXX for a transaction that has not been filled for an extended amount of time for the amount of XXXX XX/XX/XXXX - XXXX closed the dispute in the seller 's favor without notice of why. 

XX/XX/XXXX - A dispute was opened with Barclays, the institution where the funds originated from. 

XX/XX/XXXX - Barcalys closed the dispute in XXXX 's favor without reasoning why. 

XX/XX/XXXX - Supplemental documentation and evidence to the fraudulent nature of the transaction were sent to Barclays.
Consumer complaint received 2018-07-25
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. (TX)

I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX  XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. XXXX
Consumer complaint received 2017-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I have used coinbase for years now to hold some of my cryptocurrency investments, I have assets in both coinbase and XXXX, coinbases exchange, current value probally around {$25000.00}. Coinbase uses 2factor authorization for signing which is good, it is a safety measure. The problem is, I got a new phone and 2 factor authorization is not on my new phone. I tried for hours setting this up on XX/XX/XXXX, deleting and installing the app on my phone, trying to reset my account which led to the point of my  account being suspended and locked and I need to contact support to reset everything. I have cases with coinbase and they are not unlocking my account. I have called 3 times after a 45 minute hold saying they dont have a timeframe to unlock my account. The representative says someone is working on it and typical time is 3 to 4 business days. It has been over a week now, they are not responding to emails and I just want my account unlocked. I use other exchanges and this did not happen, it was easy to update, coinbase makes it difficult and then they have no support to help when their are issues I also recently moved, so I have a new address and I am sure this is going to make this even more difficult to resolve and my next step is to just have a attorney collect my assets. It seems a little over board to get account reset.
Consumer complaint received 2020-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

they call me regards on a debt on firstdata leassing company that i never sign any paper or anything involved with that equipment it would be stolen identety for somthing that im not aware i want to stop calling me or email me thing that i do not own anithng
Consumer complaint received 2021-11-28
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 (VA)

Earlier this month ( XXXX ), I sold tickets on XXXX and selected that the payment be directed to my PayPal account. 
The tickets were sold, monies deposited in my PayPal account, however, when I tried to access the account to have the monies deposited in my bank account, I received an error message on the PayPal site telling me I can no longer use PayPal and that any money in my account will be held for XXXX days after which Paypal will send an email with instructions about transferring my money.

Upon receipt of the message, I phoned Customer Service and was treated very rudely by an agent informing me that he was unable to disclose any particulars to me as to why I was no longer able to utilize PayPay services. 
To be fair, as I recollect, I have maybe used PayPal one or two times in the past, as I prefer to use other methods to make payments. However, to try and rectify PayPal concerns, I provided them with a picture ID and other methods to verify my identify. 
The servicing agent told me that there was nothing he could do to return me my funds and I simply had to wait the XXXX days. 
It is infuriating to me that this company is able to hold my money hostage and not work with me to validate my identity. 
I truly would never to business with this company- nor would I recommend others to do so. 
I would like my money refunded to me ASAP.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, XXXX, I purchase XXXX XXXX XXXX XXXX concert ticket on line from a company using the name of XXXX XXXX Tickets. Cost of tickets were charged to my PayPal account in the amount of {$320.00} by a company using the name of XXXX. No where on the XXXX XXXX Tickets web site did they state they they were third party providers. When I downloaded the e-tickets on XXXX XXXX, XXXX, what I received were tickets in the name of XXXX XXXX, an individual I never heard of and do not know. I immediately emailed Box Office Tickets advising them I was cancelling my order as I, under no circumstances, would deal with " Third Party Suppliers '' and would not accept tickets that were not issued in my name. I also notified PayPal immediately that I had cancelled the order. I received a reply from " XXXX '' apologizing for any " Inconvenience '' and stated I would be contact by phone within 48 hours. The response from " XXXX XXXX XXXX '' that they would not refund my money, but as a courtesy would give me a XXXX XXXX ( {$30.00} ) adjustment. This of course was totally unacceptable. 
I filed my claim with Paypal.com on XXXX XXXX, XXXX and received a response back from them stating that my dispute was escalated to a claim. I was further advised that they would contacted " XXXX XXXX XXXX '' and I should allow them until XXXX XXXX, XXXX to respond. On XXXX XXXX, XXXX, I received an email from PayPal stating my purchase was " not covered under PayPal Purchase Protection '' and referred the matter to PayPal Credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received an email from PayPal Credit requesting that I submit Proof of Cancellation and records of my attempt to resolve the issue with XXXX. All pertinent documentation was sent to PayPal Credit on XXXX XXXX, XXXX. I received a response from PayPal Customer Support on XXXX XXXX, XXXX stating that my issue did not affect the usability of the tickets and denied my appeal. On XXXX XXXX, XXXX, after being notified that my account was " Past Due '' I called PayPal Credit advising them that I had previously paid off my outstanding balance with PayPal, less the {$320.00} for the unused tickets and closed my account. From that point on I have received repeated phone calls from their Collection Department demanding payment and threathing legal action. 
I am a senior citizen living on a fixed income with an excellent credit rating. I do not and can not throw away money on fraudulent practices by a unscrupulous business.
Consumer complaint received 2020-12-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I filed previous complaint ID XXXX. As a result of that complaint, I am requesting a Consumer Advisory for all veterans with a mortgage at WELLS FARGO. I recently requested closure of my escrow account that would save me {$20000.00} over the life of the loan. The request was denied due to my mortgage being a VA loan or me being a veteran with a VA loan. They are charging veterans up to 24 % in additional annual charges to a cushion account. Every veterans that have a mortgage with WELLS FARGO should review your escrow account. If your annual escrow payment is more than your annual taxes and insurance, you can possibly call it another scam because they will not waive the escrow per mortgage agreement. If you are capable of paying your own taxes and insurance, then why not waive it. It will cost them {$20000.00} in profits. This happens only with WELLS FARGO mortgages for veterans. My brother is a veteran. He closed his escrow account with his bank. My residence mortgage escrow account with XXXX XXXX XXXX  XXXX XXXX was closed with no issue.