davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to Transunion to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Transunion that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Transunion. I also received a copy of my XXXX XXXXXXXX credit report showing proof that it doesnt exist and Transunion is not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc. (MI)

XXXX, XXXX and Complaint against Caliber Home Loan , Inc On XX/XX/XXXX Caliber Home Loans TEAM responded to my complaint and said that Servicing of my loan was transferred from XXXX XXXX effective XX/XX/XXXX ; and the servicing from Caliber was transferred to XXXX loan Servicing effective XX/XX/XXXX. 
Please provide me the name and direct contact information for an individual employee who prepared and filed with CFPB this respond on XX/XX/XXXX on behalf of Caliber.

Please provide me the name of the Company who transferred servicing of my loan from XXXXXXXX to Caliber on XX/XX/XXXX and its mailing address ; and the name and direct contact information of this Companys responsible employee who authorized this transfer, Please provide me the name of the Company who transferred servicing of my loan from Caliber to XXXX on XX/XX/XXXX and its mailing address ; and the name and the name and direct contact information of this Companys responsible employee who authorized this transfer
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (PA)

My name 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 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CT)

I submitted a complaint to Chase on XX/XX/XXXX and followed up again on XX/XX/XXXX. Both times I was assured I would receive a response with in 7 days. I have received no response from Chase. I was given information by two representatives at Chase about my credit line that is not in line with the action Chase took on my account. The reduction of my credit line has had a negative impact on my credit score. See below : XX/XX/XXXX Hello. I need to escalate an issue with my account. On XX/XX/XXXX, I spoke with a woman in the lending department to do a review of my credit line. After reviewing my credit report in depth and asking me many questions, she said there would be no change to my limit at this time. On XX/XX/XXXX my limit was decreased. On XX/XX/XXXX, I called back and spoke to another woman who was short and unhelpful. Told me to call back Tuesday because the system was down. On XXXX, I called back and spoke with XXXX. He again reviewed everything in detail, pulled another credit report, and told me my limit was being restored immediately. He apologized for the prior issues. I explained to him that I received a bonus and paid off almost all of my debt. I was also in the process of closing out accounts I don't use. I stopped doing that once the limit was removed because I don't want to find myself with no available credit. On XXXX, I looked at my account and the limit has not been restored. I called back and spoke to XXXX. She said she would escalate it and said that XXXX must not have the right authority to process it in the system so someone else has to do it. On XXXX I got a letter saying the line was not being restored. I don't understand why I was given so much conflicting information and promised twice that my line would not be impacted. I would like a manager to call me and for my line to be restored ASAP. Please listen to all the calls, because when I called today XXXX told me there are no notes about any of this, I'm declined, and he would transfer me to the escalations department to leave a message. Basically, he insinuated that I was making all of this up. I told him to transfer me, but of course there is no option to leave a message. Again, bad information provided. I will be filing a CFPB complaint today about this if we don't get resolution. Thank you very much.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I participated in the government sponsored Covid Forbearance program due to lack of work and struggle to pay mortgage. The lender offered solutions to pay back the monies owed once the Covid program was over - Modification, Deferment & paying back arrears. Now that the program is over they are demanding payment of everything owed and will not allow me a modification nor a deferment. They are sending me confusing letters and will not work with me to achieve a reasonable solution to keep my home. I have owned my home since XXXX and have always been able to work with my previous lenders if there were any issues making payments. My mortgage was sold to my current lender almost a year ago and since that time I've received misinformation, lack of communication and refusal to assist with my issues as a borrower. I also filed a complaint with the XXXX XXXX XXXX when they reported my account to the credit bureau claiming I didn't make payment when in fact I was in the Forbearance program and their terms stipulated it would not be reported.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (RI)

Lots of scam forex brokers open fraudulent accounts with east west bank, and victims got lured by scammers wiring large funds to those personal accounts opened by the fake brokers. As one of the scam victims I tried to call East west bank fraud department multiple times reporting the frauds being committed by fake scam broker who opens multiple peroneal accounts in east west bank with no luck, the associates either away from the desk or voice mails are full, not able to reach any of them. 

I lost XXXX dollars to scam broker 's accounts in east west bank, the bank should freeze those accounts and pull the money from those scammer 's accounts and return to victims instead of ignoring it, just simply says no way to return. 

Date 1 XX/XX/XXXX Bank NameEast West Bank Bank Account Holder NameXXXX XXXX XXXX XXXX XXXXXXXX XXXX ROUTING NUMBERXXXX ACCOUNT NumberXXXX Beneficiary Bank AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Beneficiary Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ca XXXX XXXX dollars 2 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX Account Holder Address:XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 3 XX/XX/XXXX Bank NameEast West Bank Recipient name XXXX XXXX XXXX Routing numberXXXX : XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CAXXXX Account Holder Address:XXXX  XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 4 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX XXXX XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA,XXXX Account Holder AddressXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX dollars 5 XX/XX/XXXX Recipient name XXXX XXXX XXXX Routing number/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA,XXXX Account Holder AddressXXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, Ca XXXX XXXX dollars Total : XXXX dollars
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX - after several attempts to access my credit information on the TransUnion website I called their office at ( XXXX ) XXXX for assistance. After being online for exactly XXXX minutes and speaking with two individuals ( the last of which was a supervisor by the name of XXXX ), I was informed that TransUnion has unilaterally decided to lock access to my credit information on their website so that I nor anyone else can access the information. Allegedly they took this unilateral action to protect my personal information from someone that allegedly tried to access my credit report in XXXX!! I was never informed of such action, and never consented to such action. It does not make sense for TransUnion ( or any credit reporting bureau ) to unilaterally block the owner of the credit information from gaining access to their own information. I have no idea what information is on the TransUnion website that may be inaccurate or fraudulent because I can not gain access to review the information. I was told by the TransUnion customer care supervisor ( XXXX ) that there is nothing I could do to remove the block. As a result, I am permanently unable to gain access to my credit information on the TransUnion website, which is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I made the on-time payment last 5 years some how the band didn't post payment on time make my credit file 30 days let payments. I have called them told me that they going to remove it but never did. 
XXXX XXXX XXXX First of all this balance is Closed. {$2.00}, XXXX written off. which is an incorrect amount is {$2000.00} only we dispute regarding the product is not what they mention
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a fraudulent claim on my account around XX/XX/XXXX, I quickly reached out to Bank Of America prepaid unemployment card regarding the issue. They put my account in the negative around XX/XX/XXXX and I had a negative balance of XXXX XXXX They told me to file another claim so that I can receive my funds which I did. I had to wait nearly 90 days to hear something back. On XX/XX/XXXX my account was magically out of the negative but I was left with a balance of {$0.00}. I havent received any of my money from BOA from the moment unemployment put the money on the card. Someone has stolen my identity and now I have to hassle BOA for my funds. None of the reps know what theyre talking about Ive called and emailed multiple times only to keep getting the run around. This bank allowed someone to steal my identity and then blame me for it and not letting me see a dime of my money. I am heartbroken and so upset that this has happened and not one of the reps can even show a little compassion. Its like they lie just to get you off the phone. I was told my account will have my money in it by 24 hours and I havent received anything this is beyond ridiculous.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX. I received a payment from XXXX XXXX to complete art work in his XXXX home. I received notification that there was an issue with one of the payments. I contacted XXXX XXXX who contacted his bank and stated that there was no issue with the payment received. I spoke with the security department at Navy Federal and was informed that the accounts would be closed. Its now XX/XX/XXXX and the accounts are still open. Ive contacted XXXX XXXX a number of times to close the account and Ive constantly received the run around. I would like any accounts that are currently open closed immediately.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I received a voice mail on Friday, XX/XX/2021 from XXXX, NJ, phone number ( XXXX XXXX stating that there was a problem with the credit card attached to my Amazon account. It said the account has been compromised and that someone had purchased a XXXX XXXX for {$1400.00} using a credit card attached to my Amazon card. After checking my credit cards and calling Amazon there was no charge of this type recorded. My though is they wanted to try and get more personal information from me but since I hadn't answered the call and they just left a voice mail they couldn't.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This is in Continuation of Open Complaint # XXXX against PayPal Meanwhile - while they are taking their time Correcting the Matter, they are sending Threating emails every day so I will add Money to my Account to Correct their Mistakes - otherwise, within the 30-day timeline, they will Ruin my Credit and Perfect Standing with All 3 Credit Bureaus This message is for XXXX XXXX. If you are not the person named, please disregard and delete this message. 



XXXX XXXX Reminder of Action Needed on your account with PayPal Your account with PayPal associated with email address XXXX, has had a negative balance of {$690.00} USD for 14 days. 

If you do not pay the negative balance amount, you may not be able to fully use your PayPal account, and we may continue with efforts to collect the amount. 

Please pay the negative balance amount as soon as possible by following the below steps : Log in to PayPal.com. 
Click the Add Money link to resolve the negative amount. 
You may Add Money to your account with PayPal from : Your bank account Your debit card ( except XXXX XXXX XXXX Your credit card ( except XXXX XXXX or XXXX ) If you have questions or you can not pay the negative balance amount, please contact us at XXXX. We are available Monday through Friday, XXXX XXXX XXXX XXXX. EST and Saturday, XXXX XXXX. XXXX XXXX. EST. 

If you already resolved the negative balance amount, please disregard this message. 

Thank you, PayPal This is an attempt to collect a debt, and any information obtained will be used for that purpose.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

To whom it XXXX concern, I recently opened a Checking and Savings account with Wells Fargo. I initiated the account opening online and was prompted to visit a branch. Upon visiting the branch and providing all requested official identification documents, I successfully opened my account. 

Shortly thereafter, I began receiving suspicious phone and mail communications from local branch employees and other alleged corporate entities questioning the validity of my legal address. 

I made a formal complaint within Wells Fargo which has not been responded to with any official notice as promised. After visiting several branches and providing adequate identification, I have continued to receive other suspicious and antagonistic communications threatening to close my account for Failure to Provide Adequate Documentation. 

Currently, due to circumstances beyond my control, I am homeless and seeking employment. I am reaching out to your offices for assistance as I have not been able to access XXXX funds from XXXX  to bathe, feed, or otherwise address essential functions of daily living. 

I feel victimized by my own financial institution and their openly divisive applications of government regulations. Attempting to resolve this has also led to greatly diminishing my professional reputation and is affecting my ability to seek and maintain gainful employment. 

Homelessness presents its own set of complications, however, I am disheartened and further burdened by being denied banking services at Wells Fargo merely because of being temporarily displaced, though, I have still managed to maintain a valid mailing address I have used without complications otherwise. 

I sincerely hope that youll be able to assist me in resolving this matter with Wells Fargo and set a firm precedent preventing this from happening to other citizens, immigrants, and migrant workers enduring similar circumstances who happily and gratefully toil in their efforts to support themselves and meaningfully contribute to this nation with or without any support from relatives and friends. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-06-21
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)

Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by XXXX XXXX XXXX XXXX XXXX  ...
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent 3 separate verification letters to Midland credit management asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was charging excessive overdraft fees and would not communicate the issue nor allowed me to fix my issue charging my account even if I repaid my negative balance they still charged the overdraft fees. Which led me to closing my account
Consumer complaint received 2021-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

My debt has been repeatedly transferred to different servicers without any proof of accounting, proper accounting, proof of standing, and other supporting documents. The complaint recently filed against Kentucky Higher Education Assistance Authority ( Complaint No XXXX ) was the first time the servicer corresponded with me or my legal counsel regarding the debt. They responded saying they would cease collection notices based on " HESAA not providing a promissory note or other relevant documents ''. NJHESAA and FFELP have repeatedly failed to provide documents supporting the debt and their right to make demand.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (SC)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.