davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I sent a collection company attempting to collect on an alleged debt a cease and desist letter because they appeared to be an illegitimate company that was not legally and lawfully authorized in my city, in my county, and my state to engage in debt collection. They did prove or  validate to me that they were authorized and licensed to engage in sending me communication regarding alleged debts, nor did they prove or validate the alleged debt to me. I sent them a letter demanding that they cease and desist communication with me on XX/XX/2020, via certified mail usps receipt. On XX/XX/2020 they mailed me 3 letters. 2 of them were essentially formulaic legal statements stating that  they were not going to adhere and follow my cease and desist letter, and the 3rd letter was a letter about demanding payment for an alleged debt. They violated my cease and desist letter.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am asking your help in recovering {$28000.00}. On XX/XX/2020, I had my XXXX XXXX XXXX initiate a wire transfer to Capitol One Bank, XXXX XXXX, LA. This money was to be received by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX, XXXX Email XXXX Fraud Support Capitol One Bank XXXX XXXX XXXX XXXX. XXXX, MN XXXX Fraud Support, Good day. I am asking your help in recovering XXXX. On XX/XX/2020, I had my XXXX XXXX XXXX initiate a wire transfer to Capitol One Bank, XXXX XXXX, LA. This money was to be received by XXXX XXXX, XXXX XXXX XXXX XXXX, VA, US. ( see enclosed copy of wire transfer ) About a week later my XXXX XXXX banker informed me that Capitol One Bank refused to release the funds to the recipient due to Fraud Concerns. I was told that I would be able to receive my funds from Capitol One Bank in a few days or weeks. It is now XX/XX/2020, and I still do not have my {$28000.00} returned to me. 

I initiated a complaint with XXXX XXXX XXXX Resolution Team. I have been informed that Capitol One Bank has not responded to our  calls. I have a new case initiated I.D . # XXXX. 

I am expecting to receive a reply from Capitol One Bank within 10 business days. If I do not receive a reply from your bank regarding plans to resolve this issue I will be forced to seek a legal remedy. Please help me recover the funds that Capitol One Bank withheld. 

Sincerely, XXXX XXXX XXXX enclosures
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

Hello- This Complaint is being filed for Wells Fargo Bank and XXXX XXXX XXXX. I would like Wells Fargo to return the money to me that was taken by the fraudster. 

I went to pay an invoice to XXXX XXXX for a lift in the amount of {$22000.00}. Communication Started on email XX/XX/XXXX. My email was intercepted by a fraudster ( XXXX & also XXXX - XXXX  doc attached ). The fraudster claimed to be XXXX XXXX and gave me wire info for the deposit. I sent a wire to pay and obviously now went to the fraudster vs XXXX XXXX 

The wire went to an account at Wells Fargo out of Oregon. 

It was XX/XX/XXXX When I figured out what happened as XXXX called and again asked for my payment. XXXX said the payment was never made and we re-traced the steps. I contacted my Credit Union XXXX XXXX XXXX XXXX- where the wire was sent from ) to explain what happened and initiate steps to get the money back. 

XXXX told me I needed to engage XXXX XXXX XXXX XXXX ( conversation/agreement attached ) to get a Trace and obtain the account at Wells Fargo it wenXXXX to and reverse the funds. There were no funds available. 

The next step was to open a Police Report with XXXX XXXX XXXX, MN and forward info to XXXX ( which was done ). Officer XXXX was to obtain a warrant to the account info associated with the fraud and get back to me. See attached document for correspondence. The police department has not communicated with me since they mentioned they were getting a warrant. I've email asked for follow up XX/XX/XXXX. 

I have also reached out to Wells Fargo and was told by customer service the only people that could contact them was XXXX XXXX XXXX and the police. Wells Fargo has a " Know Your Customer program '' - which requires a photo ID to open an account. The fraudster had to show an ID to open an account. Wells Fargo knows about the fraud and is currently doing nothing about it. Wells Fargo has not communicated with XXXX Fraud Department after being contacted by XXXX several times. 

My hands are tied and need the money back - {$22000.00} dollars was taken and is causing major hardship paying bills and buying necessities.
Consumer complaint received 2022-08-19
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-12
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. (NY)

Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX  XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the 3 major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX
Consumer complaint received 2020-08-18
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes to continue  investigating my complaint. ) This account is reporting in error. I had tried to contact XXXX and after numerous attempts I finally spoke with an account supervisor who told me she could not locate any information on this account. She suggested I contact the corporate office which I have and no one has called me back. There is no account for corporate to access either. This information is clearly being reported in error and is seriously harming my credit score. This line item needs to be removed from my credit report. I  have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

On XXXX XXXXXXXX XXXX  TD Bank Rep. Lied & Said He Didn't See My Trustfund Money But He Did. When I Asked Him To Let Me See. My Account He Was Looking At On His Computer. He Refused By Saying Oh I Will Print Out A Receipt. So U Can See Your Balance. Then He Took My Old Debit Card Ending With XXXX. In The Back Of The Bank. And Gave Me A New Debit Card & Told Me. To Activate When I Get Home. But I Told Him To Activate It There. He Had Already The New Debit Card Before He Gave It Too Me. XXXX Told Me To Pick A Pin Number & I Did. Then XXXX Said It's Activated But He Been Did It. XXXX Thinking He Was Gon na Steal My Money But He Can't .XXXX  Gave XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Debit Card With The Same Numbers As Mine. So They Can Try To Steal My Trustfund Money. But They Can't No More.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I paid the balance of my Chase credit card in full. On XX/XX/XXXX, I discovered that Chase had charged me {$5.00} in interest on part of the balance that I paid in full back in XXXX. I was unaware of this, which resulted in my account being reported to the credit bureaus as late. My credit report was adversely impacted because of this. 

I have never been assessed a residual interest rate on any of my credit cards after I pay them in full. This has never been an issue for me. I have never been late on a payment. But because of this {$5.00} interest charge, my credit report has been damaged. Chase did not make significant efforts to contact me about this problem. I received no letters in the mail requesting payment. I received no text message notifications. I have been a Chase customer for years, and this is the first time I've experienced a problem like this. I requested that they remove the late payment notification from my credit report and they said this would not be possible. Chase 's practice of charging customers interest on balances paid in full is questionable at the very least and dishonest at most.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (PA)

I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

XXXX I tried to make a wire purchase of {$5000.00} XXXX with Coinbase. The transaction did not complete and the message received is that there is a negative balance and a connection issue. I have transacted many times and never had this issue. There was more than enough funds in my account. From an external wallet, I also transferred {$10000.00} XXXX into the same XXXX wallet on the same day. Transfer funds were received and my account was suspended since XXXX. I put in a trouble ticket ( case # XXXX ). On XXXX I received an email stating that my acct was transferred to a specialist. I have since emailed for an update XXXX and have tried to complete my purchase everyday since XXXX on XXXX I reported an issue with my Coinbase Visa card ( Case # XXXX ). Purchases have been declined since XXXX. On XXXX received a message from CB credit card that my case has been sent to a specialist. I do not have access to approx $ XXXX ( Coinbase and Coinbase Wallet ) of my funds and can not transact in any way.
Consumer complaint received 2022-05-04
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

What happened was they told me they had the right to show the wrong info for 5 years if they wanted to. That means I can't get a bank account with any decent bank until XX/XX/22. 
The deal was a check I deposited that turned out bad I was sent to do a supposed secret shop, which for me was nothing unusual. I had been secret shopping for the last 3 or 4 yrs prior and never had any problems. So when this happened I got so scared that I quit secret shopping all together and just stuck to my XXXX check to live on. 
I have gotten in touch with XXXX XXXX XXXXXXXX and they tell me that I don't owe them a thing and there is nothing against me in the computer, other than they closed my account.
Consumer complaint received 2022-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (HI)

I was never credited back money owed to me for two separate issues with Freedom Mortgage. First issue is an overpayment during the payoff of the loan and was never credited back the overage amount. A payoff quote was ordered on XX/XX/XXXX for a payoff through XX/XX/XXXX. On XX/XX/XXXX the automatic payment was debited from my XXXX XXXX XXXX checking account in the amount of {$2200.00}. On XX/XX/XXXX, Freedom received a payoff check from XXXX XXXXXXXX XXXX  in the amount of {$130000.00} which is an overpayment and I am due the difference back to me. I called Freedom on XX/XX/XXXX spoke to Call Center representative XXXX who confirmed the payoff check was received and that I would get the refund credited back. I never did receive the credit back and it is 5 months later. 
Second issue is related to the escrow account with Freedom Mortgage. I never did have impounds for insurance or property taxes, I always paid on my own. Freedom force placed insurance causing an escrow account to be created in my name which was incorrect since I did have insurance coverage and provided proof of insurance. I called on XX/XX/XXXX and was forwarded to XXXX. I followed their instruction to email copy of XXXX homeowner policy to XXXX so that I could get back {$1200.00} from escrow account. I was told a check in the amount of {$1200.00} was issued payable to XXXX and {$17.00} came back which they credited to the escrow account. I am still waiting for the remaining refund of {$1100.00} which is owed to me from XXXX. I also called on XX/XX/XXXX at XXXX Hawaii Time , spoke to XXXX at Insurance Dept . I was told again to send homeowner policy for XXXX which I did. I also spoke to agent # XXXX from escrow department on XX/XX/XXXX. On XX/XX/XXXX, I called again spoke to a supervisor who confirmed homeowner policy was received but I still dont have my refund back. I am due a refund of {$2200.00} for overpayment on the mortgage loan payoff plus the {$1100.00} remaining escrow refund from XXXX
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Logged in and was required to verify with secondary check sent by text. Confirmed and logged in. Created a new payee that was in the system for a car loan. Then went to pay via XXXX someone who was already sent money through website. 

The system immediately refused payment and flagged account. There was no reasoning for this. System said that someone was unable to reach me and immediately denied. No contact was received. Yet did get text in order to log in to website. Tried again and same exact error. Got emails telling me to check my secure messages and I go to check and told Im locked out. 

Call in few times and finally get someone who says they cant verify me with traditional means. Has no explanation why the text is all of a sudden not going out or allowed, even though Im calling from the number on file. Tells me I need to verify with public records, which is data that was previously removed. However, somehow chase still has, even after it was removed with all XXXX credit bureaus. Why are they using inappropriate data? 

Even though 24 hour customer service, the fraud department closed for night and continues to deny me access to my funds to pay bills. This is the 3rd time they have done this and this defective flagging system needs to be shut off
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT XXXX XXXX XXXX.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I HAVE NOTICED FRAUDULENT INQUIRIES THAT ARE NIT MINE AND THEY MUST BE REMOVED FROM MU CREDIT REPORTING AND CONSUMERS REPORTING AS WELL YOU ARE VIOLATING MY RIGHTS AND YOU ARE BREAKING THE LAW AS FAIRS CARES ACT Inaccurate inquiries must be removed permanently This ground for removal.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I contact mortgage company PHH/XXXX XXXX XXXX on XX/XX/XXXX and was given instructions on how to get a payoff on my Shared Appreciation Mtg. On XX/XX/XXXX I sent all the documentation requested in the manner in which I was instructed. On XX/XX/XXXX I called customer service to confirm they received my paperwork. They confirmed that it was received and that my payoff would be faxed in 2-4 business day. On XX/XX/XXXX I called again since nothing was received and I was advised that it was scheduled to go out and that I would have it by XX/XX/XXXX at the latest. 
Needless to say it still has not been received. I called again this afternoon and spoke with an escalation manager who was to contact the Pay Off Dept. but could give me no further information. My closing, on the sale of this house is XX/XX/23, BUT the purchase of my new home is contingent upon showing the seller that I will have the necessary funds from my sale to purchase. They need to see the settlement statement in rough form showing the payoff etc. I am at the end of the period with less than 48 hours to go before I lose the house I wish to purchase. I do not understand why it takes 3 plus weeks to obtain a payoff on a mortgage. Please help.
Consumer complaint received 2020-07-06
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I noticed an alert on my credit report last week and I flagged it that there was a credit inquiry. 

Today I got a letter from Bank of America that someone attempted to open a card in my name. However, according to the letter that Bank of America needed more information to continue with the application. The application was filed online. 

Bank of America told me to notify you and the credit reporting agency of attempted fraud.