davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NE)

COINBASE transfer to a FRAUD SCAM Brokers : XXXX XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX USD! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 

I feel like at the end of the road there is no future for me, all my money was depleted. I am in embarrassment to my family. I was planning on living off my life savings all of which have been stolen, depleted all due to COINBASEs criminal conduct.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recoveries has 2 accounts on my credit report. I have repeatedly disputed these accounts on my credit report due to inaccurate balances. I have asked for proof of balances and instead Portfolio will continue to send letters demanding payment. Ive never received actual proof of me owing the balance they claim I owe. Please remove these accounts from my credit reports.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (AZ)

I received notice electronically via ( secured message ) from Chase Bank of a rule change to my credit card ( I have two through Chase ) agreements. The new rule includes a binding arbitration agreement. The only way to opt out is by hand written letter mail. I did not read the notice in time to hand write a note and mail. I believe Chase purposely did not allow for an electronic way to opt out knowing that most people would not have the time to hand write a note, buy a stamp and mail via snail mail with no proof of delivery that Chase could also deny.
Consumer complaint received 2020-05-26
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: DISCOVER BANK (CA)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO XXXX XXXX AND TO DISCOVER, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2019-08-08
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)

Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted Equifax and XXXX regarding such. Negative information was being reported, and my disputes came back for XXXX and never for equifax. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

My parents who are not in the states sent me a wire transaction of XXXX dollars XX/XX/2019 to my Chase checking account, however I provided a wrong account number but with all other information correct like my name and address etc. 
After we find out the fund didn't arrive at my account due to a wrong account number provided a week after XXXX, we filed a withdraw request to Chase bank asking for refund. Then Global solution center of Chase bank has been telling me they had been keep investigating it and they said that the fund has already went to the beneficiary 's account ( which is the wrong account ) and they were trying to get contact with that guy for the next 2-3 months during which they never updated with me even when they closed the case. After that I turned to a branch manager to ask for help and this kind manager have been helping me making a lot of calls to different department to ask about the investigating result.

Then, after ending up with no result, the manager helped me escalate it to complain department  which gave me a final decision that they won't be able to get the fund back. 
During the past 6 months, I have heard different versions from the Chase bank like the money has/has n't went to beneficiary 's account. Also Chase once said the my parents had the name that matched the wrong account number which is absolutely impossible. 
I understand that Chase should not be blamed for me providing the wrong account number, but how can they not even try to match the name for the account? Even some online purchase need to verify your billing address to approve the transaction.
Consumer complaint received 2020-05-26
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. (TX)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$340.00} on the XXXX XXXX partial account number XXXX ; XXXX   and XXXX should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX XXXX partial account number XXXX ; XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-26
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 — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Hi, I have car loan with Fifth third bank. My account number is XXXX. My XXXX is XXXX. My address is XXXX XXXX XXXX XXXX CA XXXX I have auto payment with this bank and I keep money in my account for car payment but they didnt charged payment from my account and posted late payment on my credit report its hurts my credit score so badly. I didnt notice earlier because I was being busy in my wedding I was married in XX/XX/XXXX. And now Im planning to extend my business but because of my credit score Im not able to do nothing. I have trucking business and because of Fifth Third bank they messed up everything. If I will not get my credit score back I have to wait until year to be a good credit. I send them email They didnt replied me and then I call them and explain what they did and they said they cant able to do nothing and I dont have a auto payment. If you want you guys check my credit history I never had any late payment. Please help me to fix my credit. I will very thankful of you guys.
Consumer complaint received 2020-05-26
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. (CA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Consumer complaint received 2020-05-26
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. (TX)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$340.00} on the XXXX  XXXX   partial account number XXXX ; XXXX   and Transunion should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX  XXXX  partial account number XXXX ; Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-26
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. (TX)

I went to XXXX XXXX XXXXXXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

My ( XXXX XXXX XXXX XXXX ) credit report concerning my Nelnet Student account is inaccurately reported. On XX/XX/XXXX, I submitted a letter to Nelnet Student Loan about the inaccurate information on my credit report which shows I was late making payments on XXXX, XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. I filed a forbearance application in late XXXX for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. My credit report is showing forbearance starting XX/XX/XXXX. In my forbearance application to Nelnet, I requested that my forbearance start XX/XX/XXXX for one year because I fell and injured my XXXX. 

I am making an official complaint to the credit reporting agencies to have corrections made on my credit report.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX XXXX  and transunion. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources (NC)

I get a robocall about once a week from a debt collection company called First Point. I  have medical debt due to having XXXX and the treatment that followed. I politely explained to the company that I would gladly pay the debt when I'm recovered and back to work.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX I met with XXXX representative XXXX at XXXX XXXX, XXXX XXXX, ca. XXXX. 
XXXX explained to me the XXXX services and fees as follows : 1st Service :  {$130.00} ( $ XXXX {$50.00} coupon= {$130.00} ) unlimited service calls for the first 3 months. {$90.00} for the next 3 months and {$90.00} for any consecutive 3 months thereafter. 
I could cancel the contract anytime I wanted 3 busines days after the 3 months of service. 
XXXX wanted me to sign a contract. Despite my refusal to sign the contract or any agreement, XXXX accepted the terms of our oral contract as described above and XXXX said that he only thing he needed was my Credit Card. 

On XX/XX/XXXX I gave XXXX my Visa card and he charged {$130.00} for the Initial Service for XXXX, XXXX and XXXX. 
On XX/XX/XXXX I paid {$90.00} for XX/XX/XXXX, XXXX and XX/XX/XXXX On XX/XX/XXXX I paid {$90.00} for XXXX, XXXX and XX/XX/XXXX Last service done at the residence was on XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX and I requested to cancel the service. 
When I started receiving bills from XXXX I contact XXXX and I was told that I owed another {$90.00} for an extra 3 months because I had not given enough notice. I requested the copy of the contract. Upon inspection of the signature I can confirm that this is not my signature. There for I don't believe that I have any responsibility for this debt. 
Te collection agency is billing me for {$75.00} in order to settle the account. 
Please see documents attached.
Consumer complaint received 2020-05-26
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-05-26
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: Resurgent Capital Services L.P. (PA)

This company is reporting inaccurate, incomplete, and old information on my credit report. They refuse to validate the debit. They also refuse to really address any disputes in a reasonable legit fashion. They are not following the FCRA guidelines and are unwilling to work with me to resolve either one of the illegally reported accounts they claim to have on me to the credit reporting agencies. This company has violated my rights to protected access by leaving messages claiming false statements about debit on public answering machines. One rep spoke with someone other than myself and clearly gave them my personal identifying information including social security number.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

This is my second complaint with Wells Fargo. I have tried countless times to get resolution on my home mortgage and escrow balance due to a new assessment ( lowered ) via the city. I submitted the certified docs in XXXX which the bank ignored. My mortgage payment has been escalated and balance in the negative bc of what the city sent them for the previous year. 2019. They have been charging me the wrong amount from XX/XX/2019 until Now. They still have not adjusted my Mortgage amount and it shows to date an advance to my escrow of XXXX dollars. I am tired of dealing with this incompetent crooks. I sent a new certificate from another city official even whole closed due to COvid. They did nothing. 

I want this resolved ASAP and I want a refund for the money they took per month aT XXXX dollars which was designed to make up for the negative balance escrow based on the wrong or higher assessment originally given by the city. I hired a lawyer and fought it My assessment for XXXX XXXX XXXX is now XXXX. They wanted taxes for XXXX and didnr honor my homestead exemption either. Help me
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One, Sent a letter stating to me, that I need to open a Capital One email..so these people do what? That I sent them a XXXX XXXX dollars for their fee for the year ... 
On their website says I owe more money..for what.? On their website..trying to see where they say I owe them more money..no bill has come to my address, where these XXXX say I owe them ..and they ding my credit..where I had excellent credit and these XXXX, just take it upon their selves to bring my credit down.. 
I put itthis way with those XXXX..once they put my credit back to excellent they will get their XXXX XXXX XXXX XXXX money..otherwise I don't give a XXXX XXXX XXXX..they XXXX up credit..no bill was sent to me .... 
Ask them XXXX did they send a bill to Mr. XXXX and prove it..no they did not .... 
Look at my credit..never been late on anything..and these XXXX phuck me over.. 
I'm a XXXX Veteran was there when I was 18 years ... to XXXX XXXX XXXX ( over my credit.. ask them what bill did you send him ... they didn't didn't send XXXX to me ... otherwise I would have paid them XXXX XXXX XXXX XXXX XXXX XXXX XXXX 





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Consumer complaint received 2019-08-08
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. (AZ)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-08-08
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. (AZ)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and  telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX SELF-REPORTED   XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX   SELF-REPORTED XXXX, XXXX XXXX