davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (PA)

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 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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if. ( 3 ) INFORMATION regarding inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

We acquired an Amazon Prime Chase VISA a few years ago. It is rarely used and we prefer using our other credit cards. The monthly charge is {$14.00} whether we use the card or not. I have tried all the different ways I can think of to get this card cancelled but have failed to reach anyone. The card is in my name but my husband has a card as well and both cards have the same card number. The phone numbers that you can call to reach the company states that there is a minimum of a 50 minute wait. I've tried to call numerous times, waiting 45 minutes the first time. I have now been on hold 42 minutes. I also tried going to the website but it wants information that we no longer have. I put in my name and the number on the credit card and the 3 digit number on the back but nothing seems to work. I destroyed my card a few years ago but my husband still has his and rarely uses it. When the bill came today we agreed that it is silly to keep this card and want to cancel it. I tried putting his name and social security number on the form but it wouldn't take that either. I do not know what to try next except to simply not pay them again. This is ridiculous.
Consumer complaint received 2020-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KS)

In early XXXX I closed on my first home. In weeks leading up to my close date, I started buying things for my house including appliances. To save money I found a refrigerator on XXXX XXXX. I reached out to the seller and got a timely response. They asked if I could pay via XXXX XXXX which I thought I could, but when they sent the request through I realized I didn't have it sent up so I asked if we could complete the transaction over the Cash App. I gave them my username, they sent the request, and I completed. The subject line and description of the XXXX listing said delivery was available and I confirmed with the seller that I didn't need it to be delivered for a couple of weeks and they agreed. I reached out and over the several days before my close date and move I got a whole bunch of runaround. Eventually, the day after I moved into my home, the seller stopped responding to my texts all together. I disputed the transaction with Cash App and tried requesting a refund from the seller that they of course ignored. Cash App basically said there was nothing they could do since the transaction was authorized and already came out of my account. I also disputed the charge with XXXX XXXX   which is the account the money came out of via Cash App for this fridge. They credited the money back to me while they investigated and now over a month later reversed it and took the money back. I got no fridge and I'm now out {$220.00} and both of these institutions are abdicating their responsibility to consumers. In the attachments I provided the email from Cash App, the two letters from XXXX, the XXXX messages with the seller, and the texts with the seller. Please help me.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Hello Firstly, we ( XXXX and XXXX XXXX ) have been in negotiations so refinance our rental property XXXX XXXX XXXX XXXX, XXXX CA XXXX with Chase. 

They sent us documents for the wrong property and included our daughter XXXX XXXX as a co signed. 
This was never authorized or discussed. 

Currently we signed and agreed to submitted paper work two weeks ago and kept our copies.

Now we have received the loan agreement in the mail today and the interest rate has changed from what was originally signed. 
Chase has denied no negligence and XXXX XXXX has been inconsistent and hard to reach for each problem.
Consumer complaint received 2020-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

From the best of my recollection : 1. XX/XX/XXXX Access Group loans were split between Nelnet and Firstmark 2. It was improperly communicated to me that it was two different agencies. 
3. I made payments to Nelnet and did not realize nothing was going to Firstmark 4. In XX/XX/XXXX, when I realized that Firstmark needed payments, I made a lump sum payment to catch up. 
5. I set up autopay 6. I then asked to have my future payments applied to both Nelnet and Firstmark 6. They did not apply to Firstmark 7. When I realized this was the case, I again made a lump sum payment and set up an autopay to two companies in XX/XX/XXXX 8. I have not missed any payments since the autopay was straightened out 8. However, now Firstmark reported the missed payments to credit report and Firstmark is not willing to fix
Consumer complaint received 2020-03-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have a mortgage with XXXX/Mr.Cooper which I have had for 21 years. On XX/XX/2020 a wind storm wreaked havoc on my property and extensive damage was done which included destruction of a storage shed, roof damage as well as battering of other structures. A claim was filed to the insurance company and they responded by submitting to me and my spouse a check in the amount of {$18000.00} ( after deductible ) for repairs which will only cover a portion the damage. More claims may need to be filed. When we attempted to deposit the check into our account at XXXX  XXXX XXXX, they in turn informed us that we needed the signature of XXXX  as well which we were unaware but certainly understood. I spoke to the director of customer service at Nationstar after submitted the check to them and she informed me that since the check was for less than {$20000.00} the payment for all repairs would be unmonitored and that my spouse and I could independently pay for the repairs by the contractors upon completion of the services offered. However, on XX/XX/2020 I phoned My Cooper/XXXX and I was informed that the process would be monitored due not receiving mortgage payment for the month XXXX when the claim was filed ( XX/XX/2020 ) The status of the account was not delinquent but I made a payments after discussing the matter with them and the account is current. They seem to be unwilling to remove the monitored status from the management of the funds that must be used to restore my roof before storm season, replace screen over my pool deck and replace the shed. Again, it will probably cost me additional funds to restore my home to pre-storm status and I have been unable to find a legitimate roofing company that will agree to do the work then wait for a check from the bank. Additionally, we have already had two heavy rain storms since this claim was filed and presumably more roof damages. If water damage occurs, the insurance is not obligated to pay for any claims. If the roof collapses and causes harm to my family members, I will use legal means to hold this bank accountable.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 Total amount is {$2700.00} There have four transactions that I didn't authorize. Two were from XXXX and two were from XXXXXXXX XXXX Later, I found someone using my debit card to withdraw money at ATM, which was also unauthorized. The first time, I dispute these transactions. And they give me the credit. But later, they told me they can't do it and then take the credit back. Thus, I called chase bank again, and an agent suggested that she can help me to withdraw my complaint and refiled it again. But the thing is, they didn't investigate and directly reject my complaint. The third time, customer service told me they can't do anything because of my duplicate file. Let me think of other options. But the thing is, I just do what the customer service suggests. In the end, they didn't solve these unauthorized transactions and leave me away. So, I come here to ask for help. 
Thanks!
Consumer complaint received 2020-03-23
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: U.S. BANCORP (GA)

Elan Financial Services did a hard credit inquiry on my credit WITHOUT my permission.

The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card.

I already wrote to Elan Financial and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/XXXX XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (NM)

I paid the debt in full on XX/XX/2020 and I received a letter from the company saying that my debt is paid in full and that I do not owe them anymore money. They told me that when I pay the debt they would take it off my credit right away but it is still on my credit report and my credit report states that I owe them XXXX dollars when I have a letter from them stating that the debt was paid in full and that I owe them nothing. The debt is in my maiden name XXXX XXXX but now I am married and y name is XXXX XXXX now. I have called this company over and over to get this resolved and they do not want to do anything about it.
Consumer complaint received 2024-08-16
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. (AZ)

Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete this account.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my XXXX   credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : SNYCB/PPC. As far as I can tell, this is an account that I had no knowledge of that originated with Paypal as " XXXX XXXX  XXXX  '' and was sold to Synchrony Bank. Synchorny Bank presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that Synchrony would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

BLOCK, Inc. CashApp : Filed a 1099k in my name with my address and SS # for $ XXXX income in 2022. As I understand it, they are reporting revenue collected by businesses using electronic transfer of funds. 

I have no such account, have never worked with the companies listed nor have any business that processes or uses electronic payments. 

If I can't get this 1099k corrected, the IRS will look for me to pay taxes on income I did not receive.

The fraud calim involves unauthorized use of my personal information that was obtained fradulently and misreporting income that would allow the sender to avoid paying taxes.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc (SD)

XX/XX/2021 Account was opened with my information while I was incarcerated. 
I have never used flex shopper Believe it could be a man named XXXX XXXX I think he stole one of my identification cards and possibly a social security card. I had a wallet come up missing about 3 years ago. Would like to press charges if it is him.
Consumer complaint received 2021-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In the Document down load you will find dates ranging from XXXX/XXXX/2021 to XXXX/XXXX/2021. 

I put a time line together, then attached supporting documents. 

Please help if you can. CapitalOne and XXXX are acting unethical and not reasonable at all. They both fabricate information as you will see from picture 's and documents. 

I do not understand why companies such as CapitalOne and XXXX would try to pull scams as they have done with me.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

I am studying XXXX and i was using a service called XXXX XXXX XXXX  in XXXX illinois. But the service didnt offer what i needed and they told me to give me a full refund back in XXXX and XXXX of 2019. I made a payment with my bank card XXXX to take this course for XXXX  boards to become a XXXX. I informed XXXX that they were giving me a full refund. XXXX credit card member services did not contacted me instead reported my card as fraud at first and then i had get back in contact with them. after months of waiting on a refund from XXXX XXXX. i recieved partial refund and i did do my payment. Due to XXXX correspondence back XXXX and XXXX i was told i have no payment due. but when i got my partial refund i was reported to pay XXXX because i was suppose to get full refund but since it took so long for the case to resolve i reported XXXX XXXX  XXXX to XXXX and they are giving me a refund of XXXX dollars but XXXX have put it in my credit even tho they have had correspondence of letting me pay it when this case is resolved.
Consumer complaint received 2020-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a formal complaint against XXXX/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the XXXX/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from XXXX with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your intervention with this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I owed a debt for an apartment I rented with another individual. The debt is for the same amount or less than this one. I made it clear my intent to vacate. I was still charged for months I was not even occupying the unit. The collector says the debt is on hold. Is there any recourse for this error? 
Here are the details of the erroneous charge. 

Per your request, below is the original creditor information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please feel free to contact our office at XXXX ; if you are a XXXX XXXX XXXX resident please call XXXX. Hours of operation XXXX XXXX XXXX XXXX EST. 
Sincerely, Hunter Warfield , Inc . 

Creditor Name XXXX XXXX XXXX  Creditor Account # XXXX XXXX XXXX Account # XXXX Balance Due {$4900.00}
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo has stated that I owe {$3100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Wells Fargo has not attempted to help me resolve this issue.
Consumer complaint received 2020-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

This is the second time I have had this issue with this Bank. 

The problem is that they keep posting transactions in ways such that I will have an overdraft. 

Just two weeks ago, I paid my phone bill on a Friday when they were funds available to the account. 

The amount was {$170.00}. 

It stayed in the pending status for a couple of days, and then another transaction came through and they hit me with overdraft fees for, I believe two transactions. 

Just this Friday, a credit card payment was scheduled in the amount of {$38.00}. 

That means that the money was supposed to come out of the account at midnight on Thursday. And this payment was scheduled with the credit card company 3 days before the transaction was supposed to happen. 

In practice, what happened is they waited until Friday or Saturday night to post the transaction, at which point the account went into overdraft. 

If the payment had been set up for the proper time, then it would have taken away from the available balance on the account and the issue would have been solved.