davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I am writing to request to put a security freeze on my credit report. I'm also opting out of LexisNexis, XXXX XXXX, XXXX reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I have been a victim of Fraud. I reported it to my bank ( Chime ) and they disregarded it. I do not think they looked into my claim at all. I reported all the unauthorized transactions totaling {$2500.00}. and I was given the following Dispute ID : XXXX. When I spoke to the representative on the phone he told me my debit card was charged at two different hotels ( thousand of miles away XXXX, XXXX, XXXX, and XXXX. I found out about this transactions through an Email chime sent me because I do not have access to my online account. I filed the dispute on Saturday XXXX XX/XX/21 XXXX and on Monday morning ( XX/XX/21 ) I received an email with the following information. Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I am shocked. I feel betrayed. I feel robbed. I need this money to pay my rent, buy food, and pay utilities. After doing some research on the internet I realized that Chime will deny most/all claims. They are not willing to investigate fraudulent claims. But how can they tell me no error occurred when Im calling to tell them I have XXXX been a victim of fraud. That all my money is gone and I am left with {$5.00} dollars. I am very upset. I need help to get my funds back. Please help me.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2018-03-17
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. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Consumer complaint received 2021-02-23
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. (DC)

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and equifax. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX veteran XXXX XXXX and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.
Consumer complaint received 2021-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Razor Capital, LLC (GA)

XX/XX/XXXX I requested a {$1200.00} payday advance against my direct deposit from XXXX XXXX XXXX XXXX in XXXX , GA. When my paycheck deposited, it was not enough to cover the amount and I was also facing eviction. The bank took monies that were available at that time, and I was to pay the balance. 
Subsequently, Spring XXXX, I was notified to appear in XXXX County court for the remaining balance, which was aprox {$1200.00} with court cost and filing fees. I was contacted by the XXXX XXXX representative to set up my direct payment arrangement. Shortly after I was contacted and informed that I would receive information regarding my payday loan, as XXXX XXXX was not authorized to perform payday lending in Georgia. 

Until i received a letter ( attached ) on XX/XX/XXXX did I recall this situation, nor received any follow communication since XXXX. It has not been appearing on my credit files, but I've been notified of garnishment notice sent to my employer in the amount of {$1800.00}.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CARD Corporation (PA)

I have card.comto received my SSA benefits and every month they are charging me a XXXX fee another fees for this card I suppose to get my check 5 days before the XXXX of month And everytime I call in they will not let a supervisor and they are stealing money out of my account every month
Consumer complaint received 2021-02-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NJ)

UAS is attempting to say that I did not make a payment on my account for 3 months when there was a gap in my student loan forbearance. I have emails, screen shots, and payment confirmation showing that I did pay that amount. The emails also show that I spoke with them to make sure that when I paid the amount, my account would be current and my deferment would resume as I started graduate school. I have email payment confirmations showing that I made the payments they are referring to. They sent my account to collections now (XX/XX/XXXX ) saying I never paid back in XXXX, when we already resolved that issue. They refuse to take the account back from collection, therefore ruining my credit.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (WA)

Telecheck charged my account twice. I contacted them and sent proof that they did. I also file a XXXX  complaint against them. I was informed today that they investigated, did not have sufficient proof they had charged my account in error and had closed the investigation. 
The proof I sent them was the XXXX bank statement showing the check clearing the first time, and a " ministatement '' from the bank showing the check clearing again in XXXX. Perhaps they didn't accept the " ministatement '' I don't know. 
They also charged my bank an XXXX  fee in XXXX for XXXX dollars. 
I received a new case number today XXXX. 

I am submitting to you the information that was faxed again to Telecheck today. The person who faxed for me circled the items in question on the bank statements before faxing. That is the check for {$300.00} that cleared XX/XX/XXXX, the check that cleared XX/XX/XXXX for {$300.00} and the NSF fee of {$30.00} charged on XX/XX/XXXX.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: INVESTORS BANK (NY)

At the end of XX/XX/2020 my mortgage bank, Investors Bank, offered me a forbearance for 3 months due to Covid-19 pandemic issues.

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and Investors Bank said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and XXXX are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified Investors Bank several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times.

So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way Investors added {$25000.00} to my loan balance did affect my credit score.

Second, I feel Investors is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.
Consumer complaint received 2021-02-23
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. (GA)

I submitted a dispute back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX Credit Bureau XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX  account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (NV)

These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX I found out someone opened a online checking and savings account in my name through Wells Fargo..I immediately contacted them..went through the whole fraud process and was told the accounts were frozen then ultimately closed.. But today XX/XX/XXXX I receive a text alert from Wells Fargo that my card with them is frozen due to suspicious activity and to click the link to resolve the problem..I do not have a account with them..so either they never closed the account i initially reported like they claimed or they allowed someone else to open yet another online account in my name not even a couple months after going through their fraud procedure..I called today but its a holiday and was told to call back monday..i am beyond sick and tired of Wells Fargo!! I have never done business with this Bank besides having my identity stolen through them..my name is a very unusual name which is even more concerning..please help me..they are just allowing this to happen!!
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

again, I at NO time told you this wasn't because of Covid, you offered me a plan in regards I could put arrearages at the end of the loan and or paid in a lump sum. This was never offered to me and then you state you placed me on an unemployment plan when I was and can verify I was employed. 
Please can an outside source listen to the phone calls and not this fairy tale they have concocted, for I will continue to file complaints until this is corrected.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (CA)

In XX/XX/XXXX, I opened an account with PNC to have as a savings account. In XX/XX/XXXX I logged into the account I discovered the bank had been debiting my account {$25.00} a month, totaling {$420.00} taken from my account. Speaking with a resolution XXXX, XXXX XXXX the bank does not dispute that I had not logged into my account from XX/XX/XXXX until XX/XX/XXXX. They do not dispute that no services were offered on my account ( I never called in, did activity, etc ) but they denied my request for a refund of these fees. 

The mistake of putting {$430.00} less in my account to open it, should not be a penalty of {$420.00}. The PNC virtual wallet terms state that " six consecutive months '' of inactivity causes the account to be considered inactive. Yet, they charged the fees even after six months. 

Although I did try to work this out with PNC, they have offered no refund of the $ XXXX monthly {$25.00} fees, as relayed by XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2020 an individual impersonating another individual scammed me into sending an ACH payment of {$150.00} USD through PayPal Friends & Family. 

I have notified PayPal and they are investigating, but doing a lackluster job. 

Through personal research, I know this individual is named or uses the alias XXXX XXXX XXXX. I know he uses the email addresses XXXX, XXXX, and most recently XXXX in his scams. 

S/he also uses the online moniker @ XXXX. 

Thank you
Consumer complaint received 2020-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

today XX/XX/2020 I submitted a Public Service Loan Forgiveness Employment certification form to my HR department to complete and apply towards my loan forgiveness. I was informed by the HR department that I currently have a Per Diem job code and not " full time or part time '' therefore, could not check off one of the only boxes that is provided on the form. I currently work at a XXXX  in a XXXX XXXX XXXX, helping XXXX XXXX  XXXX, I also work in the XXXX XXXX and XXXX XXXX XXXX helping the XXXX population. Since XXXX I have been working over 36 hours it has been around 48-52 hours weekly. I was under the impression that I could do this since on the instructions of the PSLF, page 5, under employment eligibility, 4th paragraph, it mentions, " Generally, you must meet your employer 's definition of full-time. However, for PSLF purposes that definition must be at least an annual average of 30 hours per week ''. This leads me to believe that PSLF had other options of verifying as long as 30 hours per week were verified. I called Public Loan Forgiveness today and spoke to a supervisor, XXXX, with badge number XXXX or XXXX and she mentioned that my employer had to select either full time or part-time and that there were no other options that could be considered to verify the average hours per week. I asked why there were no other options, and read out loud the instructions on page 5 and informed her how this paragraph is misleading and appears to have a system flaw. I informed her that the majority of XXXX in the U.S. are considered government organizations and how Per diem options were being over looked, specifically for XXXX as there are 3 codes : full time, part- time and Per diem. I was informed since my employer does not want to check off full-time or Part time then my certification would be denied.
Consumer complaint received 2021-01-21
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: WELLS FARGO & COMPANY (VA)

I submited a dispute wihth XXXX to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account XXXX Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence ) and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless Wells Fargo tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to Wells Fargo, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with Wells Fargo again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - Wells Fargo validated the late payment and could not provide me with proof or comments from Wells Fargo. Also, Wells Fargo is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like XXXX says to call Wells Fargo, and then Wells Fargo says to call XXXX - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that XXXX  was responsible to make sure Wells Fargo corrected their error and see their oversight, but XXXX said no and there is nothign they can do if Wells Fargo keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to Wells Fargo Executive Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I opened an account with Coinbase back on XX/XX/2021. On that day, I went through a series of two validation processes. Both of them reported successful. After the validation process, Coinbase allowed me to make a deposit and invest in cryptocurrency in the amount of XXXX, which I transferred. They made the asset purchase, and then promptly have locked me out of my account since, claiming my account is " under review ''. There's been no other communication from them, and I am having no similar issue with my other investment accounts with other firms. 

I have emailed them multiple times to no response. They are also not really responding to anyone from what people have reported. They offer no phone number for assistance, and I keep getting messages that " come back in a day or two for us to complete validation ''. Other parts of their site say I am verified, take me to the verification page, and say I'm verified. 

So essentially, I've had a small amount ( thankfully ) of financial assets ( XXXX XXXX tied up in their system and not able to manage my investment. As a result, it has begun to lose value in the typical market manner, and I can not control it. 

The second issue I have with them is in their advertising they say you can earn up to {XXXX in Cryptocurrencies by learning about them. What they don't disclose until the entire registration process is done, is that there is a waiting list, and there is no guarantee that you even will have a chance to earn it which feels like a bait and switch. I was eventually able to do one of them, only to be told I earned something around XXXX, and then it has not been deposited. Even the account opening bonus of {XXXX in bitcoin has not been deposited either to my account.