davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I noticed a list of charges from looking on my Chase checking account on my phone that were foreign. They began on the XXXX of XXXX with the line items titled " XXXX XXXX XXXX XXXX XXXX and either XX/XX/XXXX or XX/XX/XXXX after it. There were eight of those transactions and other lines that were foreign transaction fees that were over XXXX dollar, multiple of them. The XXXX transactions totaled {$330.00} and neither my husband or I have ever used XXXX or have it downloaded on our devices. 

I called Chase to report it to the fraud line and they saw the transactions, said it was related to XXXX pay on my husband 's device. We immediately removed and unlinked XXXX XXXX from my husband 's phone. We also got new debit cards and changed our checking account numbers from Chase. 
He was surprised that occurred as well because he was working from XXXX to XX/XX/XXXX that week and made transactions at his XXXX XXXX XXXX XXXX XXXX  and was working if he used XXXXXXXX XXXX, it was at the XXXX XXXX 's he was working at. Thankfully, Chase reversed the amounts to return to us. 

We also have XXXX Identity Theft protection so I contacted them and XXXX XXXX XXXX has been the restoration specialist graciously assisting us. 
On XX/XX/XXXX, the transactions were taken back out of our account and I called Chase again because I have no idea who did it. They said it was due to my husband 's XXXX XXXX and we would need to send a letter saying we did not do it because they authorized the merchant who the transaction was related to. My husband and I went to the banker at chase bank and wrote a letter and submitted his hours at XXXX XXXX 's since the transaction was related to XXXX XXXX and proved we didn't travel outside the state nor made any online purchases that were related to outside Washington. 

I talked to XXXX XXXX from XXXX again and she told me to filed a police claim for fraud and on identitytheft.gov. I did both those things and last week on XX/XX/XXXX, XXXX XXXX and I called the claims department who sent the letter from Chase and XXXX XXXX was asking about the IP ADDRESS see if another device was used to make those unauthorized purchases and they were not able to find results. XXXX XXXX asked me to file a claim to CFPB and submit the letter from chase describing their lack of ability to restore our stolen money and the transactions were related to a sporting goods store for the merchant description that we have not shopped for anything sporting goods related, nor have anything to do with instpay or XXXX XXXX. Thank you for your investigation and assistance!
Consumer complaint received 2019-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

Balance isn`t correct the balanced has increased with equifax causing my credit score to go down 13 pts,  the company is XXXX XXXX XXXX reporting to equifax. EQUIFAX HAS Either change the balance or not geeting their numbers right.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I rented a car from XXXX and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( XXXX ) said they would not accept cash so I gave them a different card ( XXXX XXXX ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well over my limit which I did not agreed to and I did not authorize. I disputed the charges.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA (NC)

Company is XXXX XXXX. Account number is XXXX. 
XXXX on vehicle ended XX/XX/2021. I sent a check for {$31000.00} to XXXX XXXX to buy the car. They cashed the check XX/XX/XXXX. I have yet to receive the title. Have called numerous times, and been told they have not received the needed signed bill of sale and odometer statement. I have sent these documents now at least five different times, via fax, email, and certified US Mail. I have received email confirmations from them that they received the documents, or fax confirmation, or USPS proof of delivery. They continue to tell me they never received any of the documents, which is obviously false. 
They need to either send me the title immediately, or refund my money and take the car back. 
They are maddening to deal with. 
I hope you can help with this matter.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX Equifax Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Consumer complaint received 2020-07-29
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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} XXXX   XXXX
Consumer complaint received 2020-07-29
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: Westlake Services, LLC (MD)

I have a loan with XXXX/XXXX  and WESTERN FUNDING INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX and WESTERN FUNDING INC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (AZ)

This is a complaint in regard to Equifax verification and customer service. They report that I owed an ambulance bill with XXXX XXXX XXXX XXXX ( XXXX ) through a bill collector XXXX XXXX XXXX ( XXXX ). I have tried to resolve this with XXXX and they state the bill is correct. I have sent Equifax the letter from my insurance company XXXX that they were never billed and XXXX even asked me to ask XXXX to rebill it. According to the Center of XXXX and XXXX balance billing ( when a contracted provider with an insurance company does not submit a claim for services and send the member the total bill this is considered fraud ) XXXX refused and sold it to XXXX. I have sent Equifax a copy of the letter from XXXX ( please see attached ) twice stating that they were never billed and that I as a member shall be held harmless these charges listed on my credit report. I have also talked with Equifax customer service three times about this matter and told that they never received my letter from XXXX. I finally emailed the CEO and got a letter back from Equifax stating the same three ways to go about disputing this. I thought going through their website, I would be able to download the document so they would finally have it. I tried to sign up to create an account in order to upload and dispute it online. However it is telling me there is already and account and can not access it. I am still waiting to talk with someone from upper management to help me resolve this. However, I have been working on this since XX/XX/2020 with Equifax and have yet to have this resolved. The other two Credit reporting agencies removed this.
Consumer complaint received 2016-12-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MT)

We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires XXXX appraisals. When we received our XXXX appraisal it was XXXX dollars lower than the XXXX appraisal. They told us they had to take the lower appraisal and we were going to be charged mortgage insurance and we back out now we would be charged thousands of dollars. 
Please email me back. Thank you for your time I really appreciate it.
Consumer complaint received 2020-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo merged their websites and I no longer have access to my account. I have tried on multiple occasions to resolve with them and they are requiring I go to a branch. There is no branch near me and I am not taking hours out of my day to fix their mistake. Everything worked fine until they changed their site. They need to fix this. This is why I no longer have checking or savings accounts with this awful bank.
Consumer complaint received 2020-07-29
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: WELLS FARGO & COMPANY (PA)

I have a loan with WELLS FARGO BANK, XXXX XXXX, XXXX XXXX XXXX XXXX IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX, WELLS FARGO BANK, XXXX XXXX XXXX XXXX IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-03-10
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)

the account is has been dispute multiple times with both attorney general and Equifax. The balance has been incorrect and also should only be one account not two accounts. They have failed to verify the account information and also when speak with the attorney general they have fail provide an letter stating that I have only one account instead of two.
Consumer complaint received 2021-04-16
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: Mr. Cooper Group Inc. (NY)

I HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY XXXX REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CT)

I have recently sold a home XXXX XXXX XXXX XXXX CT XXXX held in Rights off Survivorship with a signed mortgage and name on the deed with my husband XXXX XXXX. He passed on XX/XX/XXXX which made me sole property owner. I continued to keep the mortgage current and sold the property XX/XX/XXXX and discovered I was not the legal title owner. The house was held by a Trustee of a XXXX XXXX opened without my knowledge. I received a loan pay off from M & T bank to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX and then a 2nd pay off notice on XX/XX/XXXX to XXXX and XXXX XXXX. I repeatedly sent my warranty deed and mortgage documents to M & T telling them this property passed outside any estate and they violated the Truth in Lending Act by not disclosing this illegal change of title. They annually sent me letters to change my home owners insurance to The XXXX of XXXX XXXX which proves the had a Trustee deed. So I paid property insurance for legal owner XXXX XXXX for over 4 years and was not covered because a Trustee held title. The have titled my new home XXXX XXXX XXXX XXXX XXXX CT XXXX in this trust too. XXXX mortgage company included a blank Deed of Trust in all my fully executed closing documents and will not give me the completed deed. This is property theft and illegal. I fear my home owners insurance in invalid. I need an investigation and help to enforce truthful lending. They are telling me I purchased a house but conveying title to probate without be truthful. When I asked M & T to assume the loan note after my husband passed, they sent me a residential sales contract listing three parties and further confirming the property title was held by a Trustee.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Citi Home Equity LN XXXX XXXX XXXX CA XXXX Citi holds 2nd lien position. The short sale was started XX/XX/2016. We have received 1st TD approval on XX/XX/2016. Citi has taken so long to review their file that we have already had to request one extension from the 1st TD. Citi stated the file went to closing negotiations on XX/XX/2016. We have been in contact with Citi and they are still stating they do not have a decision on the file. 

Citi has had ample time to review the file to receive the maximum allowed to a 2nd TD under HAFA guidelines ( XXXX ). The 1st TDs approval letter is now in danger of expiring AGAIN. The homeowner will not be able to receive any relocation funds, since the HAFA program is now expiring. 

At this point Citi will not even respond to us. They continue to transfer the file, ignore our phone calls and emails. This is rather troubling considering the borrower is a XXXX service member.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

Based on the TFDCPA : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.I like to build this case on the collection company in hand because they do n't have the right to collect any debt in the State of Texas. They have sent me a packet XXXX/XXXX/2016 trying to collect in my state without the proper legal document require to collect in the state of Texas.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Windham Professionals, Inc. (TN)

Called my place of employment, at which I have only been employed at for 6 weeks, I have never used the phone number of employment on any documents, so how they know I work here befuddles me. I am not behind on any debts and I do not have any student loans. I also have received calls at my home and on my cell phone that were about student loans, but I do not have any student loans.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (WA)

I submitted an online on XX/XX/XXXX through XXXX XXXX, to dispute and remove information from the creditor Jeff Cap Sys ( XXXX XXXX XXXX ), as this particular creditor has violated my rights and has been renewing and re-shuffling the negative item which is more than 10 years old on my credit report. 

On XX/XX/XXXX I received a notification from XXXX XXXX, that the creditor denied my request to remove the item from my report and I saw that the creditor UPDATED the date on the report to reflect this YEAR! The report was showing a date of opening in XXXX before the dispute, and now after the dispute it shows a date of XXXX! I don't have XXXX XXXX as a carrier, I've had XXXX XXXX XXXX for many years and I've been given discounts and recognition for being a matured customer with the company. From the attached credit report that was retrieved in XXXX, anyone can see that they reported this account being closed and opened in XXXX ; however looking at the result from XXXX  XXXX  it now shows an open date of XXXX! I'm so FED up with these types of creditors and sneaky collections agencies. 

I've submitted disputes more than once and for over 7-years it has remained on my credit report. I've lost potential employment due to this negative item upon my report in the past and PRESENT. In this time that we are in it's not warranted. I also have NOT been a customer of the creditor for many years now ; in addition, the information and amounts have been inflated and are inaccurate.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo added " late charges '' to our consumer credit account for several months after the account was paid on time and one month ahead of schedule. This negatively affected our credit rating until we were forced to negotiate a settlement with them. Although they reported the account paid in full, they did not keep their agreement to remove the negative credit information.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

In XX/XX/2019 I opened a XXXX store brand credit card. At the time I was working to repair my credit with a score around 500 and 5 accounts in collections. After paying off 4 of the accounts in collections and improving my score by 100 points Synchrony bank closed my account based on my credit report. My account was in good standing and on auto payment.