davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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: CBC Companies, Inc. (LA)

Credit Repair Info Police Report Hello as of XX/XX/XXXX I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT INQUIRIES IMMEDIATELY Factual Data XXXXXXXX XXXX Factual Data XXXX XXXX
Consumer complaint received 2021-02-09
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: CREDIT ACCEPTANCE CORPORATION (TN)

On XXXX XXXX credit acceptance reported the account I had with them as dismissed under bankruptcy when I paid settlement to delete and its still showing on 3 bureau 's and Im requesting that the information be removed per our agreement I have disputed this several times and credit acceptance have reported inaccurate information now on my credit report Ive called and sent letters to the main office
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Farrell Holdings, LLC (AZ)

As the balance is lower and loan is close to be fully paid, bank is charging insurance charges. Bank informs it is in the contract, but does not present the evidence. I didn't find it. 

Request for : 1 Stop charging the insurance- it was not charged for almost 40 months and suddenly started 2 Send me the balance to fully pay off the loan. Without insurance.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 Suntrust debited my account for XXXX and transferred the funds to my parents account after my parents was already in contact with the bank regarding their account that was overdrawn due to fraudulent activity and the bank advised not to pay fees while it was under investigation. This left my account at a XXXX balance, my entire paycheck had been deposited. At this time that was the only money I had to pay my bills for weeks, I was diagnosed with XXXX and was out of work for the next two weeks without pay. I contacted the bank and they told me at first that I made the transfer myself then said it was internal but could not explain why at that time someone else explained it went to my parents account giving me all the details of their account and what happened which they should not have done. I explained that I had XXXX  and the person was very rude and not understanding. My credit card payments were returned and now this is affecting my credit score I am just XXXX. My mother was able to get the return charges taken off my account however I still have a negative balance due to this.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My phone and wallet were stolen a few weeks ago in which Chase bank helped me with fraudulent transactions, getting a new card, etc. There are some transactions, though, that were done fraudulently from my XXXX on my stolen phone, that were NOT done by me. I realized this when getting email notifications. I went into my XXXX account and saw that money had been withdrawn up to the limit they allow ( over {$4000.00} ). There was about 200 dollars left in the account that couldn't be taken out which I instant transferred back to my account. I then proceeded to immediately remove my bank information from the app and complain to XXXX support about these transactions, in which they said I would have to go to Chase. I have gone to Chase and they haven't made progress on my case. They closed it without even informing me of the decision, I called them today, and the person who I spoke to didn't even tell me why they closed it and said he would be " re-opening the case. '' Even after speaking to him, I did not get a notification from Chase saying the case was re-opened. Also, when the case was initially opened, Chase only credited me half of the temporary funds from all the transactions. This whole process has been a nightmare with getting all of my stuff stolen, and Chase has made jumping through every hoop take a TON of time. Many times I either can't get anybody to speak to to help me or the person I'm speaking to can not help me or isn't qualified to.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (NJ)

I was denied an extension of credit by DISCOVER BANK. On XX/XX/2022 I submitted a personal loan application through XXXX XXXX and was sent an Adverse Action notice from DISCOVER BANK on XX/XX/2022. The letter from DISCOVER BANK is proof and evidence that I have been discriminated against. DISCOVER BANK has violated my federally protected consumer rights.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$19000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

Chime bank has denied my dispute three times now after someone stole my money while i was in jail. i was in jail for 8 months long, and once i was released and was able to log into my chime mobile app i see NINE different transactions that i didnt authorize, and they were all done while i was in jail. The guy i lived with at the time of my arrest stole literally all my belongings including my wallet. The transaction listed on my account were done via XXXX XXXX as if he would have linked my chime debit card to his XXXX XXXX an accessed the money by using the " cash out '' option, His name is even listed as the transaction description, ive called chime numerous times about this issue, ive emailed them numerous time and filed a rebuttal not once but twice and ive provided them with the proper documentation i got from the jail i was released from that clearly states the dates i was incarcerated ( which was during the times of every transaction ) and they still deny me every time ive even told every single person at chime that i spoke to about this how that money was literally all i had after being in jail for 8 months and it was important i get this money back just so i could live off of it, by groceries, and pay for hotel room or an apartment to live in since i lost my home while i was incarcerated and it didnt seem to bother them that i had been a long time customer of 4 years. After this issue i will be closing this account and never looking back to this horrible " bank ''
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (IN)

I am another victim of the theft of crypto assets from an XXXX account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss
Consumer complaint received 2022-04-09
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. (MD)

I just cant figure out whats going on and I also dont understand what it is that Im doing wrong, or what it is that Im not saying. Ive reached out to these creditors and was notified that theres been no investigation at all and youre just receiving an electronic response from them! I know that this isnt considered legal verification and that youre required to do your own investigation beyond what they submit to you. Wheres this info? Wheres this documentation? How was the investigation done? Who did you speak with? How can you prove to me that you didnt just parrot what they told you?
Consumer complaint received 2021-01-25
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. (LA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (MD)

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 2022-02-03
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-04-13
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: JPMORGAN CHASE & CO. (MD)

I started a dispute. They requested additional information, through mail or secure messages. I submitted additional information online via chase secure messages on XXXX XXXX, 2021. It has been over 90 days and I have not received a response, in violation of the Fair Credit Billing Act.
Consumer complaint received 2022-08-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (KY)

I called first digital on XX/XX/2022 to close my acct. she said she would. The next day I spoke to supervisor named XXXX who assured me the acct would be closed and it takes 3-5 days. I called back on XX/XX/2022 because when I went online it showed a balance due ( which was the annual fee the reason I was closing the acct ). Supervisor XXXX said my balance was XXXX but the acct was still open. She said she was going to close the acct but couldnt explain why when I looked at my acct online it showed a balance due. 
I just want to close this account because I no longer want to pay an annual fee.
Consumer complaint received 2022-06-29
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)

I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX APPLE ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by APPLE On XXXX applied for The Apple Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. XXXX2 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Apple should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and sending me some medical documents that do not belong to me. I have enclosed what they sent to me when already sent in my Police report FTC affidavit and they still keep saying this is my account. I have never had any goods or services with them or their affiliates. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

On my credit report for equifax XXXX XXXX, & XXXX its stating that I owe {$500.00} to a credit union in Wisconsin. I never opened any accounts. How can I be late if I never agreed to pay any payments. Also how can I be late if the debt isnt mine? I sent in dispute letter in XX/XX/XXXX. 2022 to delete also incorrect addresses and number on file. Havent heard anything back. I called by phone XX/XX/XXXX to remove items off my credit profile due to violating 15 U.S.C 1681 ( a ) 3-4 and 15 U.S.C 1681b ( a ). They still didnt remove items for me.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (UT)

I was charged 5 overdraft fees of {$35.00} on XXXX and XXXX. I was told we where going to be given 48 hours to correct any negative balance which I did. These transactions were accidental ach payments for less than XXXX  each
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc. (TX)

I keep getting a robocall 2-5x per day from Advance America asking for someone to pay their debt. That person is completely unknown to me. The robocall ends with saying if I am not the person, please ignore. The volume of calls has become an annoyance.
Consumer complaint received 2022-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I applied for XXXX XXXX  XXXX through my state,. I was denied because Flagstar reported back to my state that I had a choice between loan modification or HAF. To my knowledge I was never given a choice. In fact up until I was told Flagstars response by my state, Flagstar had no knowledge of the XXXX in several phone conversations I had with their representative as far back as XXXX of XXXX.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/22 a transaction for {$3900.00} was made using funds from my bank account through XXXX. I reached out to XXXX and they were useless and advised I contact my bank since the funds came directly from my bank balance which i did. I spoke to a few specalists and opened a claim for the disputed amount and submitted legal documents stating I had not authorized the transaction. Chase ultimately denied this claim simply because my name matched the name on the XXXX account ( no duh, it was mine and compromised ). They asked me to provide further documentation depsite not having any and I advised them to reach out to XXXX who apparently refused to provide them with anything of relevance one way or the other as well. Why is it on me as an individual to prove to a multinational billion dollar bank that i did not authorize a transaction beyond submitting a legal document stating I did not authorize the transaction? Isnt the whole point of keeping your money in a bank that it will be secure and protected? XXXX did not submit anything to contradict my claim either meaning I have submitted my own legally binding statement versus absolutely nothing contradictory and the bank still refused to take my side. Im out almost {$4000.00} now because of incompetence. That is completely unacceptable
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collections Acquisition Company, Inc. (MS)

I have repeatedly disputed a collection account appearing on my credit report. On XX/XX/2017. I wrote a check to the USPS. I wrote the check on an account that I had  closed. I just happens to have the old check book still in my car and used the wrong check book. Once I was notified by my local Post office, I immediately went back to the post office and redeemed the check with a money order. However they still gave it to a collection agency and it has been passed around for several years. I have made several trips to the post office to no avail. I have called the toll free number and gotten no results. I have called the collection agency listed and they will not remove the incorrect information. I have disputed with all three credit reporting agencies with no positive results. My credit score suffers and I am repeatedly denied credit because of this. Please assist me in resolving this matter that has persisted for several years now.