davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance 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. BANK XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I reported unauthorized use of my debit card on the XXXX of XXXX in the amount Of {$380.00} and even submitted gps location to prove I was not at the location of the withdrawal when it took place and they deemed it unsatisfactory
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I mailed via USPS both XXXX and TransUnion notices of an unrecognized collection due to identity theft on XX/XX/XXXX via certified mail. 

TransUnion Tracking # XXXX XXXX Tracking # XXXX Account name XXXX XXXX - XXXX Account # XXXX Neither company has completed a proper investigation pursuant to FRCA 15 USC 1618 considering the account is a result of identity theft and unverifiable and must delete or face a fine. Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. How can an account be both open and a charge o
ff? 
How can an account be both open on XX/XX/2014 and XX/XX/2014? 

This information is inaccurate and fraudulent and pursuant to the FCRA any account that is reporting inaccurately must be deleted. PLEASE REMOVE.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (NY)

This is in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, Equifax, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

My son, XXXX XXXX, XXXX, and I are joint account holders of a Chase College Checking account. On XX/XX/2023, I noticed two unauthorized transactions to XXXX XXXX in New Jersey. The first charge was for {$65.00} on XX/XX/2023 and the second was pending on XX/XX/2023 for {$280.00}. I questioned my son, who is a XXXX XXXX in XXXX, NY, about these transactions and he was adamant that he did not make either of these two purchases. Promptly on XX/XX/XXXX, we contacted the Chase claims department to file a dispute for the two transactions. They quickly deactivated the debit card associated with the checking account, issued a replacement debit card and provisionally credited the account for both unauthorized charges totaling {$340.00}. Chase Claim XXXX XXXXXXXX. The replacement debit card was promptly received and activated. We thought that the issue had been settled. Thereafter, on XX/XX/2023, I noticed that the provisional credits for {$65.00} and {$280.00} were reversed. When I contacted the Chase claims department, they explained that their investigation indicated that the charges were not considered to be fraud, as no new devices were used for these transactions and that there was XXXX XXXX recognition. This is completely untrue! My son and I are 100 % adamant that neither of us made these transactions. I asked the customer service representative to re-open the claim, but they refused without me providing them with new information or documentation. When I asked what I can provide to them to show that this was fraud, they could not provide me with an example. When I asked if they can provide me their " proof '' that these were supposedly legitimate transactions, the customer service representative indicated that I would have to take their word that the investigation findings were correct. By the way, we have yet to receive their investigation conclusions in writing. Why can't they provide me with the investigation documentation? Show me the supposed XXXX recognition, show me what device was used. This " investigation '' was conducted by some " back office '' department that can not be reached by phone or by email..This is completely unacceptable! I would like to see the documentation uncovered during their investigation. Ultimately, I would like our {$340.00} credited back to our account since these are fraudulent transactions. It is very known that these fraudsters and hackers are very sophisticated in how they manage to obtain a customer 's information and run rampant on that individual 's accounts. The banking institutions are falling short in protecting the consumer of these cyber crimes, so we have to pay for it? No, unacceptable! Please have them return our {$340.00} as soon as possible.
Consumer complaint received 2023-02-24
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. (WY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-02-23
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. (MI)

XXXX XXXX is knowingly and willfully reporting inaccurate information to the Credit Bureaus out of retaliation with the sole purpose of causing me harm. 

On XX/XX/XXXX, XXXX XXXX accurately reported my credit card balance as {$84.00} with a perfect payment history. I have always paid timely. I filed a complaint against XXXX XXXX with the CFPB on XX/XX/XXXX complaint # XXXX ( Also attached copy ). XXXX XXXX reports on the 3rd of each month and have been doing so since I opened an account with them in XXXX. However, and for no other reason than to retaliate by sabotaging my credit causing as much harm as they could, on XX/XX/XXXX XXXX XXXX furnished to all three credit Bureaus that my account was 180 days late. Yes, you are reading correctly and I have attached my credit reports as PROOF. How do I go from paying timely each month including XX/XX/XXXX to 180 days late in XX/XX/XXXX? IMPOSSIBLE! This is CRIMINAL and anyone responsible must be charged criminally including the CEO XXXX XXXX, I have sent him direct emails, he is personally aware of my case, he knows I have them busted for lying and numerous other FCRA violations, employees do not take this type of action without his approval. As a result, I was again denied credit to buy a car as a direct result. 
Whatever reason XXXX XXXX attempts to mislead authorities will be a lie. XXXX XXXX never updates credit reports by re-furnishing information mid-cycle unless it is in direct response to a dispute. However, As of XX/XX/XXXX XXXX XXXX themselves have said the prior dispute I have is still ongoing and this is not the f
Consumer complaint received 2023-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I applied for a home equity line of credit ( XXXX  ) through Bank of America for approximately {$100000.00}. 
After over 3 months and complying with multiple requests for additional documentation, Bank of America decline the application which we had to call Bank of American ( on XX/XX/XXXX ) to find out that this decision was made back on XX/XX/XXXX. 
I believe Bank of America was not acting in good faith in the processes and had little to no intent to offer us a XXXX. 
Additionally, 2 weeks before the declined decision was made, a team from Bank of American called to confirm the details of the loan including the rate, the total amount of the credit line, and details of rate reduction incentives they were going to offer ( e.g., autopay discounts, payment from a Bank of American Checking account discounts ) Taken together, this is evidence of their deceptive and abusive processes and likely an potential attempt to wait for market interests rates to increase, which they did drastically, between the original date of application and XXXX. 
I have contacted Bank of America twice. Spoken to multiple people and filed multiple complaints. I have not heard anything back from them either in the form of additional details or potential resolutions.
Consumer complaint received 2022-12-09
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: Self Financial Inc. (AR)

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose
Consumer complaint received 2021-02-22
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. (MA)

Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I have many bank products with Wells Fargo. However I have one of my bank product which Is a business credit card account that I had with Wells Fargo for over 5 yrs now that I was making payment and using on a monthly basis that Wells Fargo decided to close this account without my consent around XX/XX/2022. After doing so they started to apply late payment fees and interest rate fee XX/XX/2022 on the remaining balance that I had when they involuntarily closed my business credit card account which I had just made a payment towards that same week/month. From there I started getting collecting phone calls day and night from Wells Fargo about making payment on the account because it was past due and every time I asked the clerk to explain to me why my account was closed unexpectedly, they always replied back without an actual reason ( s ) and proceed to press me to pay the past due or late payment. I even had a rep that goes by the name of XXXX that will call my phone nonstop and even leave voicemails in regards to me paying them instead of explaining to me why they closed my business credit card account which I work so hard to maintain from an unsecured business credit card with my own money to a secured business credit card after couple of years building relationship with Wells Fargo. I have been a loyal customer with Wells Fargo for more then 12 years and that's how they showed their appreciation by closing my business credit card account without my consent.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with
Consumer complaint received 2023-11-02
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. (NJ)

I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 A known trusted family friend asked me to send some money via XXXX or XXXX XXXX. She stated that she went through the daily max and she needed to make a payment. I authorized the {$580.00} payment via XXXX. It turns out that my friend 's XXXX account was hacked and the scammers contacted everyone in her contacts list asking for money. Apparently I was the only one who authorized the transaction. The XXXX account was XXXX XXXX XXXX, no phone number was given. I called my bank Chase and they said they could not give me a refund. Apparently XXXX does not protect anyone against fraud
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was scammed by chihuahuagarden.com on XX/XX/2023. I supposed to purchase a XXXX puppy but I didn't receive a puppy. 

I paid {$820.00} to XXXX XXXX ( XXXX ), I used Zelle to send my payment for the puppy ( Zelle to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX  XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. 

I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. 

Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. 

It's too late for me that my relatives and friends told me that chihuahuagarden.com is a SCAM and it is included in the list of XXXX Scams at the websites. 

Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. 

I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. 

I tried to contact my bank, XXXX XXXX to dispute or reverse my payments thru Zelle and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. 

Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX XXXX 

I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. 

I hope that you can help me to arrest the scammers and help the victims of XXXX
Consumer complaint received 2021-02-22
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. (FL)

I have discovered that some accounts and inquiries do not belong to me. I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and inquiries have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to these accounts, but the creditors would. Also, I saw most of these inquires have the same date. I did not authorize these inquiries.
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (NJ)

I previously modified my mortgage through Midland Mortgage during XXXX due to financial hardship. During the application process I was informed from Midland Mortgage that no negative credit reporting would occur. That was correct and Midland did modify my mortgage XX/XX/XXXX and no negative reporting occurred during this process. Unfortunately the monthly payment was not reduced and actually increased due to an escrow shortage. I reapplied for mortgage assistance XX/XX/XXXX looking for a payment deferment or other options while I contemplated putting my home up for sale. At application, I also inquired about negative reporting during the application review period and an associate ( i will not name ) of Midland Mortgage informed me that there would be no negative reporting during the application process. The bank kept on requesting documents and a second phone call on XX/XX/XXXX also yielded the same response that Midland would not report negative late payments during the application process. I also have the name of the person that I spoke to from Midland. In XX/XX/XXXX I ultimately sold my home and the loan was paid off in full. A recent check of my credit file showed Midland reported me 30 days delinquent in October 2022, 60 days in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. This has a devastating effect on my XXXX score and my inability to secure financing in the future because of the erroneous information Midland Mortgage provided me both at application inception and during the review period. I in good faith sold the home and paid off the mortgage in full ( it was not a short sale ) and Midland Mortgage did not act in good faith by providing me incorrect information. I would like this resolved.