davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (SC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-09
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 (FL)

In XX/XX/XXXX, we set up an account in Paypal for our company. After receiving the first payment, Paypal limited the account. We called to try to collect the money. The company said in 6 months they will lift the limitation. It is XX/XX/XXXX. The message is still there and it is impossible to receive help from Paypal. 
This is the message : Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. 
We send our IDs and the EIN number of our company. I have taken screenshots of the situation. Apparently, many people are in the same situation. Paypal doesn't help and is keeping our money. Paypal deletes old messages so I am sending the ones from XX/XX/XXXX.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX both my wallets were stolen out of my car and retrieved by the local Police Department on XX/XX/XXXX. I was able to get all my credit cards back from the evidence dept on XX/XX/XXXX. I called XXXX XXXX to replace all my cards, but I didn't do it for the rest of my cards from different credit card companies. Months went by until XX/XX/XXXX when I realized someone had used my Chase card and that's exactly when I called it in for fraudulent charges. The charges for {$6300.00} were credited only to be billed back on XX/XX/XXXX. 

I called Chase Fraud Department either on XX/XX/XXXX or XXXX and received a call back on XX/XX/XXXX. They stated that all my charges on my card were valid and that I am responsible for the charges. They closed the fraud claim and assured that this claim was researched thoroughly. 

The fraudulent charges were made roughly XXXX miles away where I work at the XXXX XXXX daily from XXXX XXXX  to XXXX XXXX. I submitted journal entries as part of my job as a notary public for California to show that I have to be physically present in front of a customer to offer the notary service. I also submitted delivery invoice that I have to sign whenever a vendor driver delivers supplies to the store. The other submission that I have are print outs of tracking number of packages that we received in our store that were signed by me. 

I can submit more proof that I was not present and my card was not inserted when all these charges occurred. I have the card in question still originally sealed from the Police Department. I might be wrong but I don't think any credit card reader can read chip with plastic covering the whole card. I notified Chase immediately within the 60 days when the error appeared on my statement. 

Chase insisted that most of the charges were chip transactions that can't be fraud. I strongly believe these charges ( transaction date from XX/XX/XXXX - XX/XX/XXXX ) are unauthorized. I can't possibly be in two different locations XXXX miles away physically at the same time. If there's only one card, I have it in my possession the whole time with the original seal from the police department. Chase claimed the charges were chip transactions. This mean someone was able to duplicate/ skim the card and use it without my permission. I am not responsible for these fraudulent charges. I will pay for the charges occurred from XX/XX/XXXX through XX/XX/XXXX transaction date because these are my purchases.
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUSTMARK CORPORATION (NC)

Filed a dispute with the credit bureau XXXX and XXXX removed them XXXX left one XXXX refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX XXXX  XXXX.and XXXX  XXXX  XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX
Consumer complaint received 2022-12-19
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$1700.00}
Consumer complaint received 2020-09-15
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. (TX)

My complaint is against XXXX, Equifax, and XXXX for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX, Equifax, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX, Equifax, and XXXX how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX, Equifax, and XXXX to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX, Equifax, and XXXX.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

Our original mortgage for our property was with Franklin American Mortgage Company. They sold it to Citizens One Home loans. 

The city that the property is in doubled the tax rate for the property. In addition, the property value has dropped about 40 % from where we purchased it, the utility bills have been a lot higher than we expected and as a result, we can no longer afford to keep it. We reached out to Citizens One over two months ago about options such as short sale or deed in lieu. 

The company has a phone number but it is all automated. No matter when you call it says they are receiving high call volumes. They have a call back but the times that they have called back they immediately hangout when I answer. We used their system to submit request for mortgage assistance but no agent was assigned to help us and there has been no followup by the company. We also paid for copies of our mortgage docs to be mailed to us on XX/XX/XXXX and we never received. Recently they started adding a {$20.00} " other fee '' to our mortgage bill with no explanation as to what for. It's impossible to talk to anyone about the fee. 

I believe that there is intentional fraud and customer abuse at the company.
Consumer complaint received 2020-09-15
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: WELLS FARGO & COMPANY (CA)

MY CREDIT SCORE WENT DOWN 50 P0INTS IN ONE MONTH FOR NO REASON. I APPLIED FOR XXXX  LOAN FOR MY WORK OVER 4 MONTHS AGO BUT DID NOT HAVE A REFLECTION ON MY SCORE BUT JUST NOW LOOKED AND IT DROP 50 POINTS. WHY?? 

I AM CONCERNED WITH ID THIFT, I HAVE HAD TO CHANGE CREDIT CARD REPLACEMENT FOR UNAUTHROIZED USE AND I AM WORRIED THERE IS THEFT
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In middle XXXX, Citibank contacted me about the suspicious card transaction with XXXX and I told them that was not a purchase I made. After that, I found more fraud transactions below when I logged on to my account on their website. 

Date Description Amount XX/XX/XXXX XXXX XXXX XXXX CA {$510.00} XX/XX/XXXX XXXX XXXX XXXX CA {$870.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX/BILL XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX KS {$340.00} I contacted their customer support and told them that those were also fraud transactions and I had never made them. On XX/XX/XXXX, they sent me a letter mentioning they determined those transactions were mine and would remain on my account. 

I sent my letter to their security manager on XX/XX/XXXX & XX/XX/XXXX and explained those were not my transactions but were fraud transactions. I originally tried to fax those letters to the number ( XXXX ) I got from their customer support but the number did not accept any faxes even though I tried many times from different fax machines and online fax transmission service. I called their customer support again and got a different fax number ( XXXX ) and was able to send my letters finally. I also mailed them by USPS. 

As of XXXX, I have not heard anything from them. I am disappointed and frustrated very much because of their wrong judgment and poor customer service. 

My point is ... 
- I have never made those purchases/transfers and am not aware of anything. 

- Though Citibank says those transactions were made in XXXX XXXX  on my XXXX, I have never used XXXX XXXX  for any purchase in my life. I just registered my credit cards just in case I may XXXX XXXX  in the future. 

- 5 transactions show XXXX. When I contacted XXXX, they told me people can not send money from XXXX XXXX  to XXXX. 

- After I received a replacement credit card, I removed the card with fraud transactions from XXXX XXXX. XXXX told me there was no way to tell the card on my phone was used, but Citibank ' explained in their letter that those transactions were made by the card in my XXXX XXXX  on my XXXX. They are obviously wrong as there is no history. 

- I have not bought any products nor services from XXXX for a very long time. I don't even have an account with XXXX. 

- On their XXXX statement, 4 of XXXX fraud transactions appear under " Cash Advances '' with the advances transaction fee of {$160.00} but Citibank issued a refund for the fee ( {$XXXX} ) on XX/XX/XXXX. This must mean they recognized those transactions were not mine. 

I have not heard anything from them yet. 
Please help me fix this serious problem.
Consumer complaint received 2020-09-15
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. (PA)

This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to XXXX on XX/XX/2020with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toExperian on XX/XX/1XXXX  at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the  original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.
Consumer complaint received 2022-04-26
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

At the end of XXXX, Chase Bank allowed for the first of two fraudulent {$1200.00} checks to be cashed against my account. I have had 4 previous issues with this account and fraud occurring. On XX/XX/2021 I had a meeting with Chase asking them to add security measures to my account, including photo verification on any withdrawals, yet these instances of fraud continue to happen. Now Chase has told me that I'm going to be responsible for these two most recent fraud transactions which I can not afford and I should not be responsible for per my understanding of FDIC rules. Please help!
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have a loan with MACYS/XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MACYS/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and MACYSXXXX with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2020-09-15
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)

This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX   XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to TransUnion on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I have been going back and forth with Experian, XXXX  and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90,  and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (AL)

On XX/XX/2022 I received a letter in the mail from Unifin, Inc about an apparent past due account of mine they had acquired and provided payment options in the letter along with debt validation request instructions. I did not recognize this debt. On XX/XX/2022 I mailed a debt validation request letter to Unifin , Inc. It is now XX/XX/2022 and I have not received any sort of response from Unifin , Inc in regards to the validity of this debt. This leads me to believe that this debt can not be validated and is therefore an attempt to collect a non-verifiable debt and therefore an invalid debt. 

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX, after no initiation of contact on my behalf, about a referenced debt account being closed in their system, with no details on the validity of the debt. The account number referenced was the same account number listed on the Unifin , Inc initial letter.

I have still not heard anything from Unifin, Inc