davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

I received a US Bank ReliaCard to access my unemployment benefits from PA and US Gov't ( even though I've consistently requested a Direct Deposit with each weekly unemployment claims ). I filed my original claim on XX/XX/2020 and haven't had ability to access my funds since. The delay in receiving my card was beyond believable. 

I can not access their website, even when I use the credentials I specified. NONE of my security question answers work, and even though the card is activated, I can not access my User ID and Passcode. 

I've reached out to US Bank consistently for 2 weeks and have not been able to connect with an agent once!!! I am regularly on hold for over an hour. My last attempt resulted in waiting on hold for 1.5 hours, only to be hung up on. 

I have no way to access over {$19000.00} in unemployment funds. I can not even request a PIN on my card since they will not verify my identity. This has been This is completely unacceptable and the fact that my funds were supposed to be direct deposited into my DDA, and instead I was issued this prepaid debit card ( which requires me to pay FEES every time I want to access or transfer funds ) smells like an UDAAP issue to me.

I'm sure this issue has come up during your quarterly meetings with their Head of Retail or Head of Payments, correct? Have you been  monitoring their call volumes, AHT, and call abondment rates during COVID?

Regarding the State of PA, I have evidence of repeated demands to have my funds direct deposited to no avail.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

TO WHOM IT XXXX CONCERN I would like to initiate a complaint to CFPB. According to a communication received from said office of PHH Mortgage Company, I was to have had an opportunity to submit information regarding my Capital Home Improvements for deductions regarding the Pay-Off of my home. However that has not happened. I have been in communication with this mortgage company now over many different issues. I should have been given an opportunity to have my home appraised by a certified appraiser. I should have been able to submit a list of my Capital Home Improvements I was not, nor was it requested of me. I was just made aware that the opportunity existed from a communication sent from the Ombudsman Office via CFPB. The mortgage company, ( PHH ) has come up with a said amount for a Pay-Off that I totally DISAGREE with in the amount of {$57000.00} Ive requested a detailed breakdown of how the amount was arrived. No detail follow up of said concern has been offered as of XX/XX/2022. I am requesting your assistance and advice regarding help with this on-going complaint. Thanking you in advance for your help. Ive offered paper work for Capital Home Improvements and a home appraisal report has been submitted. Last payment ( balance on the account ) of {$6.00} for mortgage payment was attempted at least three times and each time it was declined with a returned check from said mortgage company. The mortgage company has now caused my credit ratings to become compromised, therefore placing me in a position to be denied credit approvals. My credit score dropped down greater than 100 points. P.S. I was told by a representative via phone about XXXX or 6 months ago that the pay-off should be about {$4000.00} to {$5000.00}. Not {$57000.00}. Still no financial breakdown of arrival amount. Thanks again for your assistance with this matter.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

Hi, I have one late payment on my account from XX/XX/2018that dropped my credit score 100 points. It is from an auto loan with Jp Morgan Chase, account number XXXX. My house caught on fire ( XXXX XXXX XXXX ), and we were forced to move, in addition my state was hit with two natural disasters. I had to stay in a hotel, and sometimes mail was being delivered that we did not receive. In addition, my state was hit with natural disaster When I called Chase to explain, they told me they would remove it from my account due to the circumstances. However, when I called back someone else answered and said they wouldn't remove it. I have a 99 % payment history with them, I've never been late and the one time I am has significantly impacted my score. Looking into mortgage it is showing on my credit and not looking well.

Please review the call and you will see that Chase told me that, all your calls are being recorded so Chase bank should have that call, stating the removal and I want Chase bank to honor their word. 

Thank you!!
Consumer complaint received 2020-10-15
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. (CA)

On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.
Consumer complaint received 2023-06-20
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: LEXISNEXIS (CA)

15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: Lentegrity Management, LLC (GA)

LENTEGRITY LLC reports an late account on my credit report XXXX XXXX XXXX reports on my credit report Theses two accounts do not belong to me XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company the XXXX XXXX XXXX GEORGIA is reporting a XXXX XXXXXXXX to XXXX, XXXX and XXXX Credit Bureaus and its reflecting on my credit reports
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (GA)

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my rights by UPSTART NETWORK , INC. on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections1637 ( a ) ( 5 ) ,1637 ( a ) ( 6 ) ,1637 ( a ) ( 7 ) ,1637 ( b ) ( 1 ) ,1637 ( b ) ( 2 ) ,1637 ( b ) ( 3 ) ,1637 ( b ) ( 8 ), and1637 ( b ) ( 10 ) of this title, the termcreditorshall also includecard issuerswhether or not the amount due is payable by agreement in more than four installments or the payment of afinance chargeis or may be required, and the XXXX, by regulation, apply these requirements to suchcard issuers, to the extent appropriate, even though the requirements are by their terms applicable only tocreditorsoffering open-endcreditplans. UPSTART NETWORK, INC. was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Leading Act by UPSTART NEWTWORK, INC. via electronic mail. I got denied of my rights because We were unable to verify your ability to repay back the loan based on your current obligations and income. In which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8.According to 15 USC 1602 definitions of The Truth in Leading Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART NETWORK, INC. adverse action take against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). UPSTART NETWORK , INC. is now civilly liable to pay me for damages.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I opened a venmo account on XX/XX/2022 I tried to connect my debit card and bank account to transfer my cash from a family member and the accounts wouldnt link. I called contacted venmo several times to try and fix this issue so I could access my money and they froze my account. They wont let me speak to anyone and are not willing to help me unlock this account for 7-10 business days.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (SC)

I had an account with XXXX XXXX XXXX XXXX. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified XXXX XXXX continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MD)

I went to Wells Fargo, on XX/XX/XXXX, to submit an application for a business credit card for my real estate business. I received a call from banker, Ms. XXXX XXXX, notifying me that I have been declined because I am " soliciting too much credit ''. I spoke with the manager, Ms. XXXX XXXX, to explain I have my credit report and it shows two recent inquiries including Wells Fargo so how could I have been declined? She assumed the underwriters may decline someone for 3 or more recent inquiries and she will reach out to them to see what could be done and call me back.

After waiting for a month I decided to return to the bank on XX/XX/XXXX with the two credit reports used by the underwriters in hand and spoke to Ms. XXXX in person. She was able to see my XXXX  credit score was XXXX at the time of submission and that I had 4 hard inquiries within the last 2 years, two of those inquiries were on the same day, XX/XX/XXXX, for the same type of business and one other mortgage inquiry over a year ago in XXXX. Ms. XXXX was unsure why my business was declined and stated only the underwriter knows. I made clear that I am being discriminated against and the reason given does not match the actual facts on my credit report. Ms. XXXX stated she will see if I can file a complaint but I don't expect to hear from them per usual.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (NJ)

Approximately 10 months ago I contacted customer service numerous times over the course of a week. After unsuccessful attempts at an answer as to how to update my address to get a new debit card I was told what they had on the website was inaccurate. I then asked how to go about closing my loan with them because I could not access the checking or savings or even the investment account. They told me to send other documentation in order to do so. Ive been charged hundreds of dollars for their lack of response to close an account and are impossible to reach.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Wheel City Motors East, Inc. (FL)

I had an auto loan out with Auto Loan Acceptance for one vehicle. There are XXXX open accounts showing on my credit report and they have XXXX different high balances. The car has been paid in full but they failed to report my payment history to the credit bureaus since XXXX of this yearXXXX. This has significantly dropped my credit score and is hindering the process of my new endeavors. I reached out to them several times and they advised me that they have been reporting, but when I called each bureau individually and directly they informed me that they have not received any mew information from them. It is a lot of running around with this company and I just need for them to remove the extra account and list the one as paid in full. Auto Loan Acceptance also told me that they upgraded their system so I am guessing that's where the additional account came from. I have been going through this with them for a while and still no resolution. Please help! Thank you in advance.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

The XXXX XXXX XXXX XXXX has granted me administrative rights to the Estate of XXXX XXXX XXXX, deceased, who is my older brother. 
XXXX XXXX XXXX passed away on XXXX 2020. Improper ATM withdrawals were made from XXXX XXXX XXXX 's Chase bank accounts on XXXX ( XXXX ) XXXX and XX/XX/2020, a total of XXXX transactions equaling {$6600.00}. The transactions were subsequently deemed improper by Chase Bank. 
I am respectfully requesting that Chase Bank positively identify the perpetrator of these illegal acts through video footage or by other means available.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud Capital one - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " Capital one N.A last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2021-09-21
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. (SC)

Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.
Consumer complaint received 2020-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

XX/XX/XXXX : Open new revolving account with XXXX XXXX. Wells Fargo is the holder of the account. XX/XX/XXXX : XXXX payment to Wells Fargo/XXXX XXXX is returned. Charged {$27.00} Fee for 'returned payment '. This was not effectively communicated by Wells Fargo. XX/XX/XXXX : Payment made on XX/XX/XXXX, for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX Decmeber XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : No payment due XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX. Laid off due to COVID19 XX/XX/XXXX : Payment MISSED due for XX/XX/XXXX. XX/XX/XXXX : Entered forbearance on XX/XX/XXXX. XXXX payment was TWENTY THREE DAYS LATE. When I called to catch up my XXXX payment I was told that was unnecessary as I could pay it at the end of my forbearance. XX/XX/XXXX : XX/XX/XXXX, my accounts with Wells Fargo are closed due to non payment. They report my accounts as past due. 
XX/XX/XXXX : I call and cancel my forbearance, and pay my account to current and ask why my account was closed. I was told my account was closed due to non payment. XX/XX/XXXX : I file complaints with CFPB, and three major credit bureaus. 
Credit Bureaus say they're reporting what Wells Fargo is reporting. Wells Fargo doesn't respond. XX/XX/XXXX : I receive response from Wells Fargo reporting that they made an error in closing my accounts and have corrected it at the credit bureaus. Wells Fargo says they wont correct their mistake in reporting thirty day late notice to three bureaus as they feel strongly that their system is accurate. While I agree their system is accurate -- it doesn't match reality. I had an returned payment in XXXX that Wells Fargo didn't alert me to, or charge me a late fee for. Wells Fargo was only interested in collecting late fees from me versus alerting me that my account was consistently fifteen - twenty days late. Wells Fargo states they reached out to me but can not verify a single time between XXXX - XXXX in which they spoke to me about my " late '' payment in XXXX. XX/XX/XXXX : Account REOPENED without my permission, reducing my age of credit lines. Damaging my credit report again. XX/XX/XXXX : Reduced my credit limit to MAXIMUM Utilization. Further damaging my credit report.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.