davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ATG Credit, LLC (IL)

I have contacted ATg Credit LLC several times over the past year and half to remove their collection from my credit report. I have paid the past due amount of {$64.00} directly to the original debtor and notified Atg Credit LLC several times of doing so. They continue to say the will get back to me and still have yet to do so or remove the debt collection which is no longer in action. I have proof!
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sarma (TX)

I am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXXXXXX XXXXSharmaXXXX/XXXX XXXXXXXXXXXX XXXXXXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you
Consumer complaint received 2019-05-19
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. (MO)

The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX XXXX
Consumer complaint received 2019-05-19
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. (GA)

I had a crazy identity theft issue happen years back. The FTC gave me some great resources to fix nearly all my issues. The FTC and my local Police department helped me remove all fraudulent accounts except for one XXXX XXXX account. Equifax removed everything except for this account. I'm not sure why or if it was just a mistake. I understand they get tons of disputes daily and may have just over looked this account. 

I have again provided all the documentation I can provide. FTC identity theft report, police report, letter from XXXX member services that states this account should be removed. At this point, we're all out of ideas besides going to court but my attorney said to give the CFPB a try and see what happens before we go to court. Me and my family just want to solve this issue and get our life back.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information.

The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Fraudulent charging activity on my checking account with XXXX XXXX as the recipient. Total of {$3600.00} in XXXX charges. Total of {$1800.00} was refunded by my bank ( Citibank ), but the balance could not be refunded due to remaining charges more than 6 months old. 

Contacted XXXX 5 times on the phone to have the remaining charges reversed. They had promised on the phone to reverse, but then did not and later refused to reverse the charges. 

Outside of XXXX, {$500.00} in charges fraudulent charges remain that are over 6 months old XXXX XXXX XXXX.
Consumer complaint received 2019-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dear CFPB, On XX/XX/2019 I sent a certified mail dispute letter to Equifax, to dispute unverified/ inaccurate items. Equifax did not investigate properly, the items were verified via eoscar system. TransUnion deleted the same items a long time ago. I'm contacting you to let Equifax know, I am doing my part and gathering records to take legal action if they do not delete the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-05-18
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 (TN)

I had been using PayPal for awhile for my small business. One day they limited my account without warning or explanation. Not only could I not access my funds, but I could not even refund my customers who hade made partial payments towards their purchases. When I contacted PayPal, they claimed I had multiple accounts. I realized after some investigation that I had started one years ago for the sole purpose of making an online purchase. I immediately contacted PayPal again and was then given a completely different reason for closing my account. They claimed I had too many disputes, all 3 of them out of 100 's of transactions, which were resolved without issue. The problem here is that PayPal does not make it known that customers should contact sellers regarding issues. Therefor every buyer automatically opens a dispute regardless. I have top seller ratings on every site, yet banned from PayPal. During my 3rd contact with PayPal, they informed me it was my merchandise that got me banned ( designer fashion bags & accessories ). They claimed there was too much potential for fraud. They also claimed there was another account under my name. I asked if it was also using my social security number, and was told no, " There could be 10 other people with your name '' they said. This made irate! I am in many XXXX buy/sell groups with thousands of members and PayPal is the only allowed form of payment. These folks have no trouble selling their designer merchandise! Obviously, my small business took a massive hit. I finally had to shut down because PayPal refused to release my money ( {$2000.00} ) for 6 months. They literally put me out of business. On top of everything, I lost the ability to use XXXX because they only accept PayPal. I can no longer use my shopping rebate apps, I can no longer work my independent contractor jobs for extra money because they only pay via PayPal. I can't shop many places online because they only accept PayPal. How can this one company take so much away from me in so many aspects of my life? It can not be right. I still haven't recovered from the damage they did my finances and the worst part ... .I still don't know why! I do know I did nothing wrong. Unfortunately PayPal is the ONLY option and this doesn't seem like it should be legal. I really need help!
Consumer complaint received 2021-04-22
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

so Ive been struggling to correct inaccurate reporting on my credit report from fed loan servicing. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
Consumer complaint received 2019-05-18
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. (SC)

Hello, I've mailed in these documents via certified mail, and I'm upload them as well. Please see attached and removed these accounts that I am disputing as they are fraudulent and not opened by me. I've attached the documents required as stated by the representative I've spoke to over the phone, and outlined by the FTC and CFPB 's website. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please send me a updated copy of my report to my address on file. At this time I do not wish to place an extended fraud alert on my profile, I would like for the initial fraud alert to be removed.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am complaining regarding some of the hard inquiries on my account I dont recognize some of them I will list them Ace cash XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried to get these removed but no one is responding to me if u could help that would be great Thank you
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

Complainant holds an account with the credit card company since XX/XX/XXXX, account in good standing. Account holder called in good faith on XX/XX/XXXX to amend personal information on account to add temporary SSN issued by Government ( complainant is currently pursuing citizenship ). 

Card company proclaimed security risk, held account charging privileges under the description of " security due to SSN change '' - no SSN change. New SSN was issued, it would be in addition to the information under which the account was opened in XX/XX/XXXX ( with alien registration ID number issued by Government ). Said alien registration ID number is still valid and is not changed/modified/invalidated by the temporary issuance of a temporary work only SSN.

Discover refused to re-instate account based upon security risk ( what risk? an SSN is being amended to an existing in good standing account ), and refused to close account at customer request - and refused to note on credit report that closure was explcitly at the request of the customer.

Complaints : 1. Discriminatory practice against immigrants by inferring credit was no longer valid due to immigration status process [ reference ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ) ], 2. Denial of proper credit reportage and customer direction to close line of credit and associated reporting at customer request [ reference FCRA 15 USC 1681 and following ]
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (TN)

Regarding Banking Regulators : they need to catch up with ever changing circumstances and new types of customer abuses. Here is the problem specifically which has cause me harm : PayPal denies that they are a bank despite that they've frozen my funds via my XXXX XXXX XXXX, not credit, these are my funds in the amount of {$5300.00} for an alleged, unspecified " acceptable use '' violation. They will not specify the alleged violation however I suspect it is because I used XXXX to pay for a firearms part recently. Meanwhile, they've notified that my funds are frozen and will remain in THEIR possession for 180 days. Is this not ridiculous? They can keep MY lawfully earned money for that long? 

If you can help with problem number it would be greatly appreciated. I'm not a wealthy person, I need these funds, without them my family is under great hardship. sincerely, XXXX XXXX XXXX reference I.D . XXXX
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

ON XX/XX/XXXX I ATTEMPTED TO MAKE A XXXX PAYMENT FROM MY XXXX ACCOUNT TO MY DISCOVER CARD, AFTER WAITING 24 HOURS, I SAW THAT THE MONEY WAS STILL IN MY XXXX ACCOUNT SO THEN I ATTEMPTED TO RETRY THE XXXX FROM MY XXXX ACCOUNT TO MY XXXX. FINALLY ON XX/XX/XXXX THE PAYMENT WAS AUTHORIZED. SIMPLE ERROR ON MY PART. ON XX/XX/XXXX DISCOVER CARD CLOSED MY ACCOUNT STATING " UNSATISFACTORY PAYMENT HISTORY '' BECAUSE OF THE 2 TRIES TO MY ACCOUNT. PRIOR TO THIS, ALL MY PAYMENTS TO DISCOVER WERE ONTIME AND SENT FROM MY XXXX XXXX XXXX ACCOUNT. THIS IS VERY UNFAIR TO CLOSE THIS ACCOUNT, FOR THE PAST 5 YEARS, I HAVE CLEANED UP MY DEBTS AND CREDIT REPORT, THIS WILL BE A BLACK MARK ON MY REPORT, FOR A SIMPLE ERROR, I SHOULD HAVE BEEN MORE PATIENT WHEN SENDING THE FIRST PAYMENT. TRIED TO EXPLAIN TO DISCOVER LAST NIGHT, AND THEY SAID, IT WAS AN ADMINISTRATIVE DECISION.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FISERV INC. (AZ)

I have received 7 letters by mail from TRS Recovery Service LLC. saying I owe money for a transaction with XXXX. I pay for all my transactions with XXXX by bank debit card. 

All these letters say the same thing, that I wrote a check to pay and check was returned, and that my bank account was closed. They are asking for {$47.00} plus a returned check fee of {$25.00}, that total comes up to {$72.00}. 

It has been years since I wrote a check and my bank account has never been closed.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I discovered on XX/XX/2020 that Chase Bank closed my account with them. I called them and they can not and or will not give me a reason for doing it. I'm on XXXX and have my monthly check direct deposited in my checking account. Now with them closing my account I have no access to my money till my direct deposit can be change by Social Security which will take 2 months. I have spoken to several people who Chase closed their account also at the same time. So it has nothing to do with any of my banking transactions. This is wrong for them to treat a person on XXXX like this.
Consumer complaint received 2020-06-23
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. (CA)

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and Equifax that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I recently logged into my Chase.com account and noticed a section for " Chase Offers '' at certain merchants. One offer was for " 10 % back '' at XXXX XXXX. Since I was looking to buy a new television, I decided to use my Chase issued United Explorer card to make this purchase- a card I rarely use otherwise. On XX/XX/2021 I made the TV purchase on XXXX for a total of {$690.00}. Based on the offer, I should've received {$35.00} back from Chase as the offer is capped at that maximum. 

On XX/XX/2021 I received my monthly credit card statement with the full amount of {$690.00} as the balance. I waited until today, XX/XX/2021, to see if that {$35.00} credit would somehow be posted ( which it wasn't ) before calling into Chase customer service. I explained the situation to the customer service agent, but she indicated that I am not eligible for that offer. I asked how that was possible, given that I was logged into my Chase account at that very moment and still saw the offer in my account with a green check mark indicating it was active. She double-checked and continued to insist that I'm not eligible for that offer.

Since the only reason I used my Chase United Explorer card to make this purchase was for the expected {$35.00} credit, this seems like a definite case of misleading marketing or abuse.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

Yes CHIME closed my account for no specific reason or they won't tell me why they closed the account I asked them to mail me a check they told me they needed documentation which was a bank statement in the last 30 days with the address on it proving the address was correct. Then they asked for a letter explaining the funds that was put in the account which I sent a letter from the unemployment office explaining the funds I also sent them my lease a picture of my state ID a ( front and back ) a picture of my social security card and they are still refusing to release my money and I have called them multiple times and they keep giving me the run around so I want to file a lawsuit and I would like to press charges for theft, because this has been going on for 6 months and I still have yet to receive my money.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Opened a credit card account in my name and let someone charge over {$4000.00} worth of debt in less than a Month. I have been trying to resolve this issue for the last 9 months and they refuse to help me.