davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I'm not sure sure what's going on but I filed a dispute all the way back in XXXX of last year and have yet to hear anything back from the bureaus. It was XX/XX/XXXX to be exact. I understand we're in a tough time right now with COVID but it's been over 60days and that's unacceptable. The time to respond is 30 days according to law and again it's already been 30. Remove the incorrect information from my report please you are causing me and my family stress, COVID is causing enough stress as it is. Resolve this issue as soon as possible please. I will be attaching the original dispute.
Consumer complaint received 2021-01-16
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: Block, Inc. (NC)

I have a cash app card. I have tried to contact them 4 or 5 times. All I get back is an email saying they will investigate my claim if I tell them who, when and where and how much they took. I have forwarded all this information to them 3 times now. No answer from anyone. Someone hacked my cash app card, and withdrew {$93.00} and tried to get more, but that was all that was on it. I sent them the names and pictures and the amount they tried to get. This took place back on the XXXX of XXXX. I feel like they are giving me the run around,
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

A fraudulent copy of my debit card was somehow made at the Chase XXXX XXXX Bank through my use of the ATM there once in XXXX of XXXX. This fraudulent copy of my debit card or the card information was subsequently used three times - once on XX/XX/XXXX for {$130.00}, XX/XX/XXXX for {$160.00} and XX/XX/XXXX for {$98.00}, all at the XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX IL. I've never used this ATM. I filed a claim immediately with Chase Bank and they rejected the claim because it was an exact copy of my chip. The chip copy was entirely fraudulent, as I am the only individual in possession of an issued debit card. The bank customer service upon contacting them reiterated they only do a surface financial investigation and will not investigate further unless subpoenaed. I filed a police report on XX/XX/XXXX, report # - XXXX, and have heard nothing still as of XX/XX/XXXX.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I don't have an account with Capitol One, and don't hold a debit card with them. Nevertheless, I received an account statement with a balance of {$330.00} to be paid by XX/XX/2021. This is a fraud because I haven't done business with Capital One before, and I am not doing business with them. I am afraid that someone must have stolen my information. Please resolve this issue.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX To whom it may concern, Re : Filing a complaint against Sagestream LLC for not complying to place requested security freeze on my credit report since XXXX of 2020. 

I am filing complaint against Sagestream LLC for not placing a freeze on my report as requested. 
This company was notified to place a freeze on my personal report numerous of times since XXXX, then XXXX, XXXX, XXXX and XXXX and as yet to comply. 
Each time they have been giving ridiculous excuses upon excuses as to why my freeze letter containing unfreeze pin has not reached my mailing address provided. 
First excuse was the agent spoken to did not completed the request Second excuse was it was sent to me and it should of been received maybe due to covid the mail service is a little slower. 
Third excuse was that they sent it to a wrong address, which is untrue because to have a freeze place you have to verify all identification on file including address. 
The four time they said address was corrected and you should receive information by mail within 10 business days nothing was received. 
The fifth time called I requested to speak to management and I was told by a representative by the name XXXX who I've spoken to in numerous occasions whom as been sometimes unprofessional told me XXXX was unavailable at this time and he will be returning my call soon, still no response. 
Please assist me in getting this matter resolved. 
Under the Fair Credit Reporting Act it is my right to place a security freeze on my report and this company has not yet complied to my request, instead have been using it to defame my character. 
Thank you for your time on this matter and I hope to hear from you soon. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne emailed me XX/XX/XXXX that they have not received my XXXX payment, but I checked with my bank XXXX XXXX today, XX/XX/XXXX, and they advised that it was debited from my bank XX/XX/XXXX. Due to the bank not being open on the weekend, it showed as drafted from my bank account XX/XX/XXXX. In XX/XX/XXXX, there was an issue of {$450.00} being drafted from my bank account ; although, the funds weren't there, but they did not return to my account. I remained in the negative. Due to XXXX XXXX security, I am unable to take any screenshots of my online banking information.
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

On XX/XX/2020, RP Funding made an insurance payment to my hazard insurance company in error. RP Funding acknowledged the erroneous payment in a letter dated to me on XX/XX/2020. RP Funding indicated that they were waiting for my hazard insurance company to refund the money. The amount RP Funding paid, without my consent or permission via the mortgage agreement to the hazard policy was {$440.00}. RP Funding subsequently went through and attempted to correct their payment and accounting error by making approximately seventeen ( 17 ) different entries into my mortgage account. 

My mortgage documentation will reflect that the only permitted and authorized insurance payment that is being accrued is for flood insurance, not hazard insurance. 

On XX/XX/2020, RP Funding unilaterally and without any notice of Escrow Account review, unilaterally changed the agreed to escrow contribution from my mortgage payment from {$25.00}, to {$38.00}. The net result of this was an unexpected increase in my principal balance, as well as an increase in my interest payments. 

On XX/XX/2020, I received a notice from RP Funding that they were unilaterally increasing my escrow payment by {$41.00} per month to cover their error in paying the hazard insurance. 

RP Funding took MY escrow and made a payment error. It is my expectation that RP Funding replenishes the payment they made in error, {$440.00} from their own funds to restore my escrow balance to where it should be for my upcoming flood insurance policy payment, the ONLY insurance payment agreed to be made by RP Funding in my mortgage documentation.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

They sent me an email saying that they had to close my accounts on the grounds that their research flagged my behavior as being suspicious. Technically, that constitutes a violation of what it says in the Constitution, because in the Constitution, a person is innocent until proven guilty and also in the Constitution, a complaint for more than {$20.00} in damages has a Constitution right to a trial by jury. They are essentially harassing me for the sake of my First Amendment beliefs and have portrayed me in a false light as some type of mischievous shady character who wants to do bad things to other people in order to protect their policies on the overdrafts and associated costs of banking.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was contacted through email from ACE Cash Express stating I owe over {$2000.00} dollars for a debt I did have a few years ago. At first I didnt know if it was a legal debt and I did find the company on the list. I made arrangements to pay the {$300.00} that was agreed to close the acct. then I got another email saying we forgot to tell you, you owe another {$190.00} or we will send you to get sued and pay more. I told them I wasnt going to pay. I was then contacted by 2 other people saying the same thing that I will be sued and have to go to court and pay the full amount. On email said if I pay the {$190.00} they will close the account. They have my social security number so I got real scared and paid it. Then I received another email saying I owe an additional {$140.00}. I then told them I am not paying so they threatened me to send my acct to a lawyer. I then filed a police report for harassment and the officer told me it is fraud and to report my social security number is being fraud.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. I c alled XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Consumer complaint received 2020-10-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC (MI)

My car was purchased XX/XX/XXXX and up to date on all payments when it was illegally towed XX/XX/XXXX and was under a hold by another party and could only be released to j.d. byrider I contacted cnac the company I was forwarded to by byrider and they told me a letter would be coming from byrider and cnac about how to go about the process or the car would be sold Ive never received a thing and this was XX/XX/XXXX. The car has been sold but its still affects my credit for the full car price.
Consumer complaint received 2020-10-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (KY)

I have never been late, aside from postponing payments but theyve always been made. I recently contacted customer service and their COVID department and explained that I have XXXX XXXX was recently exposed to XXXX. They asked me to provide the last check stub Id receive while in quarantine because I wont be working for awhile. I told them on a Tuesday XXXX XX/XX/XXXX ) I would have that on Friday XXXX XX/XX/XXXX ). They advised me I would still be receiving calls that Im delinquent which was fine but when the representatives would call they would refuse to tell me where they were calling from. Again, annoying but fine. Today I call back and I am advised that even though Im reaching out for assistance and help to postpone my payments and protect my credit with the last {$500.00} Ill have for 2-4 weeks, the representative told me I will still be required to submit a payment, as well as, if not, Ill still be reported as delinquent. 
So here I am trying to keep my credit decent, feed my family, and survive the quarantine on {$500.00} with 3 children, and Mobiloans is just concerned about getting more money from me. Theyve collected so much in fees from me since I became a customer XXXX poor choice on my part XXXX that my car could probably be half way paid off ; a total amount of fees charged in 2020 is {$2300.00}. If it were me just taking a month vacation for fun, that would be different. I didnt choose XXXX quarantine. No one did. Mobiloans feeds on the innocence of struggling individuals with no remorse.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point
Consumer complaint received 2020-10-08
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: Credence Resource Management, LLC (CO)

Credence Resource Management, a collection company, has wrongly accessed my credit report and listed a false account collection. I have not opened any accounts within the last 2 years.  They say I opened an account in XX/XX/2020, with a balance of {$600.00} that is past due. I have no accounts that are past due. They do mot have my permission to access my account. I want this removed from all credit reporting accounts in my name.
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

I am a small business owner who often would receive payments through cash app. On XX/XX/XXXX after rendering services to a client, I gave her my cash app details for payment, she tells me the cash tag i had given her was invalid. I was in awe and told her that wasn't accurate. I quickly went on my cash app to log in but was asked for all my personal information which I put in and the system created me a new account. My account balance of {$500.00} was swooped and I have nothing. I reached out yo support and they are telling me that I can not gain access to my old account due to security reasons. I emailed back asking for my money that I had in my account, I truly don't care too much for the old account, I just want my {$500.00} but no one i spoke to was able to tell me what is going on. That is the last money I've got in the entire world and cash app has stolen it and can not even tell me why. I would keep talking about this till the right person hears it. How can I survive this? I feel like I am living my worst nightmare.
Consumer complaint received 2021-01-16
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 (MA)

Capital One Spark Credit Card was used to purchase items totalling {$100.00} on XX/XX/20 from website https : //www.xinsstore.com/ via paypal intermediary. Products  purchased from a likely fraudulent website for {$100.00} for items that were relatively low in cost from other vendors. 

A credit card dispute was filed, and paypal responded that their vendor claimed : Seller Notes Date and Time XX/XX/20 XXXX XXXX  Notes SEND OUT ORDER BY XXXX HAVE GOT ORDER THANKS USPS tracking demostrated product was shipped to XXXX, MA and left XXXX front porch. On contacting USPS and receiving a call from them it was delivered to a different address with package weighing 17 lbs which would be incorrect for items ordered, so I assume they may have delivered another package, and fraudulently claimed this is mine. 

An attempt to get a refund from the company due to lack of contact information or via website inquiry for was unsuccessful although originally there was an XXXX number. Capital One representative earlier tried to contact number, and was unsuccessful. 

Currently Capital One is unwilling to pursue contesting the paypal transaction or refund the amount lost despite the misleading and clearly fraudulent response by the seller attempting to claim they actually shipped something to me.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (UNITED STATES MINOR OUTLYING ISLANDS)

I saw a charge on my i did not authorize at a hotel i contacted Citibank to let them know that it was unauthorized. They opened up a dispute not even 2 weeks later they wrote me a letter stating they cant help me and i will be responsible, why should i be responsible for a charge i feel they did not do a proper investigation because i DID NOT stay at any hotel they should reach out check cameras etc not just say your going to charge me without properly investigating. the amount of the charge is {$300.00} the date of the charge is XX/XX/XXXX i want a thorough investigating to visit a hotel you need ID i want to see what ID was used for this because it was not mine i am very upset Citibank does not investigate thoroughly when it comes to consumers money also i want to know what happened why is Citibank charging me for something i did not authorize or purchase also they didnt contact me or ask me for any proof they just went a letter stating that i can not prove that my debit card was not used when they didnt ask me for anything or investigate properly. I was not at a hotel and did not charge a hotel on my account
Consumer complaint received 2020-10-27
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. (NV)

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX
Consumer complaint received 2021-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

For the entire pandemic since federal student loans have had zero interest, I have been using Navient 's auto-allocate feature and selected to target loans with the highest interest rate. I discovered today that this function was programmed incorrectly and instead of allocating my payments to the loans with the highest interest rate, it automatically selects the unsubsidized loans, regardless of interest rate. For this reason, in the remaining lifetime of my loans, I would end up paying significantly more money. I brought this issue to the attention of Navient and they are in the process of re-allocating my previous payments. However, fixing my issue will not resolve the same issue for the ( I estimate ) thousands of other loan borrowers that have used this payment allocation function throughout the pandemic.
Consumer complaint received 2021-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs with my notarized identity theft affidavit. 

I have never authorized or entered a consumer credit transaction with the following companies : 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