davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (NV)

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXXXXXX  So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX Equifax : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : XXXX, date filed XX/XX/2013, reference # XXXX See attachment
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX fifth third bankXXXX XXXX XXXX XXXX someone cloned my card, accessed my online account and withdrew XXXX $ from an atm. I filed a police report with the XXXX XXXX XXXX XXXX and XXXX  refuses to give me a provisional credit and I asked why and they said they listed no reason. I asked if they wanted the police report number and they said no. This is my rent money and I need it. If they allowed their servers to be breached along with all my personal information and my bank account they need to make it right and give me my money back now
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Did not receive any statements or phone calls from the store department credit card where I made a purchase of {$58.00} in XX/XX/XXXX. On XX/XX/XXXX I received a letter that might account might be permanently closed due to late payment. The balance now that I own was {$170.00}. I called the company and explained the situation. They said that in error I was enrolled in electronic statements and they never sent me any statements by mail. They agreed to waive one late fee of {$39.00}. I asked them to waive all late fees and wanted to pay my original balance of {$58.00} but they denied.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to TransUnion on XX/XX/2022 giving my correct personal information to be updated on my credit report and delete any other information that does not match with what I sent. I sent in a copy of my driver 's license along with a copy of my bank statement to verify that the information given was correct. I received a letter from TransUnion that was issued on XX/XX/2022 insuating that I wasn't the person requesting my personal information to be updated without telling me how I could get it changed correctly. Nothing was solved in them writing me so Im asking for help in getting this issue resolved.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

My Serve card was stolen on XX/XX/XXXX. I had 3 charges on the card before I caught it. I reported the card stolen and the charges on the same day XX/XX/XXXX. I went and did a police report and filled their declaration of fraud. On XX/XX/XXXX I received an email for Serve saying they denied the disputes. I called them and they reopened the case. The police officer who filed the report called them 3 times and they put him on hold and then hung up. I called them yesterday XX/XX/XXXX and they said it can take 45 days. But per there rules they should give a provisional credit they said they are waiting to hear from someone if I am approved for this. This is for American Express Serve.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

They say the dead is {$280.00}. This was sold to another collection agency from the first collection agency. I told him it was identity theft, and now they sent it to another collection agency saying I owe them money.
Consumer complaint received 2022-11-01
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)

The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VT)

This complaint is about the XXXX credit reporting agencies ( XXXX, Experian, and XXXX ). One financial institution pulled my credit from all XXXX agencies at the same time for the same credit but it's reflecting on my report as XXXX different hard pulls which is negatively affecting my credit. I have XXXX inquiries on my credit, XXXX of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the XXXX XXXX, XXXX states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a XXXX XXXX XXXX  and I'm XXXX XXXX  into it. Experian and XXXX have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

We are paying over the Minimum payment each month and the overage is not being applied to the account ( Cash Advances ) with the higher Interest rate, currently 26.240 %. Instead, Wells Fargo is applying the overage payment to the lesser interest rate account ( Purchases ) 11.490 %. Consequently, I'm paying off the lower interest account faster, however the higher interest account is just piling on more interest and not getting paid off at all. In essence, I'm incurring more debt. 
I have contacted the bank via phone XXXX on XX/XX/XXXX to rectify the problem. I spoke with a representative, XXXX  and then XXXX. XXXX  put in a request for a Case Manager to contact me back via phone or email. Case # XXXX Wells Fargo Bank sent me a letter dated XX/XX/XXXX stating that " According to the Wells Fargo Business Credit Card Customer Agreement , payments and any credits to your Account will be applied in the order determined by the Bank at its sole discretion. Generally, payments are first applied to Bank Fees and Finance Charges then to the lower interest rates and then to balances with higher interest rates. '' Letter is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX. 
This seems to be in direct violation of The Credit Card Act of 2009.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted XXXX disputes to Transunion- the last one they claim was resolved on XX/XX/30. They have not provided me a copy of my signed credit application as requested twice. 


Remarks Account previously in dispute-now resolved. reported by credit grant ; UNPAID BALANCE CHARGED OFF
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (ID)

My husband initiated our paycheck deposit by online transfer of {$7100.00} from his business bank to our Chase Bank personal account on Friday, XX/XX/XXXX. He does this exactly the same every month, and has for the last 4-5 years. He was told the money would be available XX/XX/XXXX or XX/XX/XXXX, and our account shows that it was received. However, we were notified by the bank yesterday that the deposit is on hold until Friday, XX/XX/XXXX, no explanation. My husband contacted them and was on the phone with them for two hours this morning, but unable to get any explanation or a reversal. After trying to blame his business credit union, the most he was told was that the money is " nowhere, '' and that neither they nor we can access it.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-11-01
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. (TX)

Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


Experian XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Consumer complaint received 2023-12-27
Product: Credit reporting 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX FIN XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2022-11-01
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: Credit Karma (OR)

I have been trying to get my credit report from credit Karma for months now, every to obtain this falling their instructions always keeps me going in circles. I have called them and asked for them to give me help many times but I can never ever get my true credit score or any type of information from them. I can however go to other services such as nerd wallet and get my credit score which states that it is a score of XXXX, it states that I have two revolving accounts and two installment accounts with no negative items. Other services for example when I went to go purchase a car I had told me my score was a score of XXXX  this is in complete discrepancy of what my actual credit report is. I have also attempted to call XXXX and talk to them I did once talk to them and they stated that I owed on two credit cards first off I was always told that XXXX would never call me but they did., After discussion with their representative I inform them a yes two of the credit cards were in fact mine at one time but due to Identity theft which is documented with the FTC doj and you that I could not contact them to talk to them about it or even make a payment, experience represented told me that I should have had insurance on the two cards I informed her at the time I did have insurance which I do in fact have insurance on these cards they showed them charged off in XXXX of XXXX still showing payments after that which I never did and also showing 90 day and 120 late pays, this is completely incorrect. I filed with the bureaus to remove these items which they refuse to do, however if I had insurance on these cards which I did they should have been paid off and recommended to me if this was taken care of which never happened the two credit card companies are credit XXXX XXXX XXXX and XXXX XXXX XXXX. Every attempt for me to contact these companies is future due to my phone being blocked from XXXX and by XXXX and XXXX I'm considering this a complaint and I will be going to the media this afternoon to make this public because it is false erroneous and flat out lies I also have an original report from annual credit report which is the most accurate in my possession which shows the information on there quite different from what they are reporting on my current credit report I doubt that they know that. I'll be filing next with the cfpb my reports against XXXX, XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

My PayPal account was permanently restricted last year. After 180 days, I received a withdrawal email notification from PayPal, but I could not complete the withdrawal. I contacted PayPal customer service many times and the problem has not been resolved. The customer service said : PayPal system security risk control does not allow withdrawals, I want to withdraw my balance, can't I do it? Is there any law?
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I received an email from chase that me and my husband owe {$9400.00} to our mortgage company 5 days prior to XX/XX/XXXX, or our mortgage goes up {$1300.00} per month for 1 year. My husband and I were immediately confused. We have paid our mortgage on time every month and we have a fixed interest rate. 
After much of my own investigation. Chase bank obtained our loan from XXXX XXXX last year. They obtained the completely wrong tax information. They had my property taxes down as {$11000.00} per year. When my taxes had been XXXX. They paid my taxes quarterly. I also found out my taxes went up {$2000.00} mid year. Which chase bank paid for however, my monthly mortgage never changed. So not only were my taxes down incorrectly in their files but they went up as well. 
I asked the servicer to allow me to take my home owners insurance and property taxes out of my escrow as I no longer trust their calculations. This would also decrease the amount that is due at the end of the month considering a good portion of that money owed is escrow. 
Chase Bank is not only not taking accountability for their error, but denying me the ability to remove property taxes and home owners insurance off of my escrow. They say because I have PMI their policies wont allow it. I told them I do not have the funds to remove PMI that would require {$100000.00} from me. They told me nothing else they can do. 

They have handled my account all year. I handle all of my personal banking through chase. This is something that shouldve been captured earlier or even given more time to come up with such funds. That amount of money up front or increase per month can put us in foreclosure. That is another mortgage to pay every month for one year. 

Not to mention our mortgage even after this lump sum or increased payment for a year. Our mortgage still goes up {$500.00} more a month permanently due to their error.