davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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. (MO)

The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 ) Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) XXXX XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (TX)

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Consumer complaint received 2022-01-14
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. (WA)

In XXXX, of 2021 I saw that my Chase account had charges from a bank in XXXX, and also charges on XXXX. 

I don't use XXXX, and it totaled out to XXXX $ in total. 

I called Chase and filed claims for unauthorized and fraudulent charges. 
I called them EVERY month and they never had anything to add, or say about my account. 

Then, all of a sudden my account was closed and charged off and they're saying I owe them XXXX dollars for transactions I NEVER MADE. 


I'm suing Chase now because this XXXX is XXXX ridiculous. This isn't how you do business.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look XXXX  has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2022-01-07
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. (NJ)

In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX  and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.
Consumer complaint received 2022-01-06
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. (PA)

My handbag was stolen the a year and a half ago with all of my pertinent information in it. License and Social security card. My information was used to try and retrieve credit, mortgages and car loans. I have not applied for anything with my credit since I have lost my handbag. 
I am writing to delete the following information in my file. The items I need deleted have been listed in the report. I am a victim of Identity theft. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2021-12-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Attorney 's XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX conspired submitted a 18 USC 1956, XXXX XXXX Artifice to Wells Fargo Bank and obtained an unlawfully obtaining & seizing {$340000.00} on my home located at XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. My Complaint has been delayed due to a serious of threats of restrains by XXXX XXXX XXXX. The artifice was clearly fraud on it's face but Wells Fargo position upon talking to them was " THE STATE WAS GOING TO TAKE THE MONEY ANYWAY SO THE FACT THAT THEY FORGED A DEED, DID NOT MATTER ''. they conspired to violate 21 848, 18 1344, 18 USC 1961 es.al.The threats got so bad, I had to move to XXXX XXXX last year. The lawyers was trying to force me to sigh the deed. While on the run, i filed a complaint in Federal Court and it was dismissed under the color of Federal Law. it is common practice for XXXX Lawyers to engage in Bank Fraud concerning real property i # XXXX please review it to see what else XXXX does to the XXXX Community. I have alleged that the XXXX State Bar has the 18 USC 1961 influence on the XXXX Justices facilitating the theft of equity equity, proceeds from us because we are XXXX. This is not the only time that a XXXX lawyer stole money from banks using my property home. send them the file so they can see what they caused and the damage they caused. Wells Fargo is complicit in discrimination because we are XXXX. Wells Fargo is complicit in the tragedies plaguing the XXXX community facilitating and fostering the nostalgia of America pre Civil Right Act and pre emancipation proclamation when America was moving on the premises that XXXX people are to work and XXXX are to have the money for our work, complicit in mortgage fraud and the violation of 18 USC 1201 " the recording of purported documents. The rule of Law [ 18 USC 1956 ] & [ 18 USC 1961 ] state that the beneficiary do not have to knew the money was obtained in specific unlawful activity to be liable, Wells Fargo was directly involved and sought leniency or clemency from XXXX XXXX as they rob XXXX XXXX Citizens, that is my firm belief, I have had other runins with Well Fargo Bank including the extra accounts where they moved money around themselves to create the {$35.00} NFS charges. once on those tactics a loaf of bread cost me {$37.00} because Wells Fargo moved my money from my debit card to my savings account. Like Lawyers, Wells Fargo steal your money to see if you can figure out what to do or if you ever argue the theft. They are intentional acts
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (CA)

Credit collection services has been texting me regarding medical debt. They were informed verbally I had an insurance claim on the debt already. At XXXX on XX/XX/2023 I received a collection attempt text and it woke me up outside of normal waking hours.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I feel it's unfair that transunion to not respecting nor following laws. I have reached out the them regarding XXXX card ending in XXXX. I have request a signed contract they have not complied I also have reached out to XXXX all i got back was a summary of charges. This is ridiculous
Consumer complaint received 2023-06-20
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: ALLY FINANCIAL INC. (OH)

Made several.XXXX  purchase that arrived damadged I contacted XXXX and they stated I need to return the merchandise to them..I requested returns fir the damadged merchandise was approved and merchandise sent back via ups. Weeks have gone by and no refunds were given. I contacted XXXX which stated that they did infact issue refunds for merchandise which would bring my card balance down to XXXX  dollars. Since no credit was issued I tried aeverall times tp contact my credit card company to no avail I have waited on the line for three hours the first time 2 hours the second time and 5 hours the third time only to be disconnected. Im trying to dispuite these charges and can boy get through to anyone. I have documented that all merchandise has been returned to the merchant and I'm entitled to a refund.
Consumer complaint received 2022-07-26
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. (FL)

I forwarded a letter to Experian Credit Bureau dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-26
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-05-14
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 (CA)

Good day I'm XXXX XXXX XXXX and I have an account to PayPal.com using email : XXXX. I have a balance there it's XXXX XXXX and they just got limited my account I contact their costumer service also multiple of time and providing all my documents and I told that I need that money for my mom 's funeral they said they will gon na fix and all I also send my documents to their resolution center but they just shut down my account and permanently limited my account and can't access my money anymore until 180 was ended it was so unfair their locking my account it's not even their own money it's for my mom 's funeral and Im sure there's no reason to get my account to permanently closed I already submitted all the info that they were asking it was so unfair they are locking my mom 's money for her funeral they don't even consider my situation they just email me a random email saying .You can no longer do business with PayPal XXXX Ref ID - XXXX ) I hope you can help me out I badly need that money thank you so much godbless
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

American Express will not apply the Military Lending Act to my account. I have confirmed through the MLA database that my wife and I are indeed eligible for MLA. American Express claims that since the account was opened before XX/XX/XXXX that we are not eligible. However, the law states that companies must comply by this date ; it does not state that you are not eligible. 

I filed a complaint, XXXX, in XXXX of XXXX and they refuse to apply MLA to our account. 

Details from American Express : I would like to inquire about the status of XXXX Thanks for the clarification. Let me check the details for you. Please allow me a few moments. 

I am still checking the escalation. Please allow me a moment. Thank you. 

Thank you for waiting. I am sorry to keep you waiting. My apologies. 

I have checked the details from my end. I see that our back end team investigate this and as per the notes they have confirmed the email send on SCRA about this account is not eligible as well.

As per this notes it says.. 
After reviewing your inquiry, our records indicate that you are not eligible for relief under the Military Lending Act. We will continue charging any applicable fees.

And also on SCRA Our records indicate your account was opened during the XXXX XXXX time period. Therefore, this account is not eligible for relief under the Servicemembers Civil Relief Act.
Consumer complaint received 2022-07-26
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF ED/XXXX XXXX Balance : -
Consumer complaint received 2023-06-20
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. (FL)

I had two forms of payments on my account for automatic deductions and have never been late on my account. 

My brother had XXXX XXXXXXXX and I left for six weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when XXXX tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed. 

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. XXXX stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied online to 'pre-qualify ' for an auto loan with Capital One to refinance my XXXX auto loan on XX/XX/2021. The amount I entered online was the amount needed to payoff my current loan - {$26000.00}. The Capital One website then showed me several offers - but it showed only the monthly payment, the interest rate ( all 3.33 % ), the loan term, and the amounts I would save compared to my current loan. I tried to look for more details but no more were provided. It then invited me to apply for the a loan offer by selecting one and clicking submit. The interest rates were all the same, so I submitted an application for the 48 month term loan. 

Unbeknownst to me, I had applied for a higher amount than I intended - {$28000.00}. This only became clear to me when at the final step of the application process, when I was reviewing the documents. Capital One was charging a financing fee of {$1800.00} and a lender titling fee of {$15.00}. At no point in the application process was it clear that Capital One had changed my 'pre-qualification ' application to borrow an additional {$1800.00} in order to pay their fees. Capital One 's website showed only the things I mentioned above, and was made such that I could only click on an offer and submit an application - I never put in the amount I wanted to borrow. 

The final stage where you accept the offer has check boxes asking you to verify that you have reviewed the documents and accept their terms. You have to download the documents in order to view them properly, and there is no attempt to verify this is done by the web application. You can check the box without even scrolling through the documents. That is the only place where the amount you would be borrowing is shown. 

This was a misrepresentation and inadequate disclosure on the part of Capital One. I did not intend to borrow more than {$26000.00}. I would not have applied for their loan product had I known that a {$1800.00} financing charge would be imposed. Capital One did not adequately disclose that these fees were in terms of the loan application, and in fact took many steps to obscure their hidden fees by displaying only interest rates and monthly payments in their website. I did not sign the documents.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

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 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-07-26
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. (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.