davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
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: JPMORGAN CHASE & CO. (KY)

There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MA)

The week of XX/XX/XXXX, I received a letter from Wells Fargo, including an ATM card for a new account. 

This account was opened without my knowledge or consent. The following week I received a letter with the PIN number for the ATM card. 

I contacted Wells Fargo on or about XXXX, XX/XX/XXXX, and reported the account being fraudulent. At this time, they said that they would freeze the account and close it. On XX/XX/XXXX and XX/XX/XXXX, I contacted Wells Fargo to ask about protections that can be put in place to ensure that this does not happen again. 

I requested that they lock my file to ensure that no new accounts could be created on my account. They said that they do not have this functionality in place. 

I asked what would happen if someone called asking to update my address. They indicated that they would ask for my social security number and validate it with information such as transaction data. However, since I do not have transaction data, they would have to use public information. This is not acceptable as public information is publicly accessible. 

The safeguards that are in place by Wells Fargo amount to non-existent security measures that put every XXXX at risk for Identity Theft and financial fraud. They have already failed in this regard and they appear to be unwilling to take action.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

Between yesterday and the day prior, I transferred more than {$370.00} dollars into my Wells Fargo account. Plus the {$370.00} I already had in the account. Wells Fargo claimed I did not have enough money in my account despite showing an ending day balance of {$230.00}. I have screen shots of Wells Fargo taking the {$70.00} payment into my account, of which {$70.00} was transferred into my account before AND after just to make sure. There was plenty of money in the account and Wells Fargo took the money out. Then today, I got an email from Wells Fargo saying they sent the money back for insufficient funds. Where is that money going? And why are they claiming I did not have the money in the account when I clearly did and they took the money out. I sat on hold for more than XXXX minutes and then the Wells Fargo agent came back he disconnected the call. A pattern. And the same type of harassing and illegal conduct they have gotten in trouble from this agency and the federal government in the past. The item attached shows they withdrew the {$70.00} in my account and it brought my balance to {$6.00}, however, they still took the money out clearly. If they are going to take money out of my for XXXX XXXX XXXX, they need to pay XXXX XXXX XXXX like I authorized. Not use it for something else for their benefit at the time and then claim I don't have enough the next day when they had already withdrawn it from my account and I had sufficient funds at the time.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

On XXXX/XXXX/19, I provided PennyMac with my homeowner 's insurance renewal documents which showed that the renewal amount was {$720.00}. I indicated to them this information because the amount they showed on the website to pay out was {$670.00} which was the incorrect amount. PennyMac responded back to me that they would research my concerns. 

On XX/XX/XXXX19, instead of paying out {$720.00}, they paid out the incorrect amount of {$670.00}. 

Again on XXXX/XXXX/19, I noticed that my escrow information was INCORRECT. Again, I sent my insurance renewal documents to PennyMac indicating that the correct amount to be paid was {$720.00}, NOT {$670.00}. Furthermore, PennyMac listed my next insurance renewal date as XX/XX/XXXX instead of XX/XX/XXXX since my policy is only for one year. So essentially they have the wrong dates and wrong amounts. Again, PennyMac responded back to me that they would research my concerns.

It has now been past the 7 days that PennyMac said they would research and get back to me and no one has reached out to me, my escrow information is still incorrect, and my insurance renewal is STILL UNDERPAID. To avoid having my insurance lapse, I have already paid the difference that PennyMac didn't pay WHICH DEFEATS THE WHOLE PURPOSE OF HAVING AN ESCROW.
Consumer complaint received 2019-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I am writing this complaint because there is a number of things on my credit for debts that I didnt owe I am a victim of identity theft and someone has used my SSN and created these accounts I havent owned my own SS card or birth certificate I dont own a state Id as of yet I have never owned any of my personal documents I dont know how all these things are in my name I desperately need help I can be reached atXXXX my family have put things in my name in the past that wasnt me as a teen and young adult
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2022 I deposited a check from my employer XXXX XXXX  XXXX XXXXXXXX XXXX  for the amount {$1400.00} to my bank Ally Bank. On XX/XX/2022 Ally Bank Flagged my account for fraud and locked my out of my account. The same day I sent Ally Bank Verification documents to show that my check was legit as well as a proof of employment. Ally refuses to look at any of the documents I sent them and when I call them for a response they hang up on me.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I open an account with Freedom Debt Relief to consolidate my debt. My first payment was deducted out of my account in XXXX of 2018. My account shows that 2 accounts have been resolved, but when I look into details, I show that 3 payments have been made in full. This does not match my dashboard. The settlement amounts are less than the amount that the company claims has been paid. Im addition, my credit score stays the same or gets worse as time goes on. I reached out to Freedom Debt Relief in hopes of bettering not only myself, but my financial situation.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a letter from XXXX by XXXX XXXX on XX/XX/2019, the letter stated they was unable to extend credit to me. One of the reason was that I had a number of accounts delinquency. According to the report they received from TransUnion. I wrote TransUnion on XX/XX/XXXX, to question that information, because I had a copy of my credit report, which I receive in XX/XX/2019. I check my report and score each month I have a 100 % monthly payment rate each month. There is nothing delinquent on my report. As of this date TransUnion has not responded to my letter. I called today, after being on hold for 15 to 20 minutes each time, I was cut off one time and then the second time the person said they could not hear me. I was calling from my landline phone. Everyone else I call can hear me. My credit score recently went down because they stated I had too many open accounts. That I dont understand. Im paying each month. I do not have anything on my account that is delinquent. I would like an explanation. Thank you
Consumer complaint received 2019-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX
Consumer complaint received 2019-08-09
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. (HI)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap 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 2019-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC (OH)

court awarded amount of XXXX. This was collected back in XX/XX/2019. the company told me I still owed them money above what the courts took. I paid that amount XX/XX/2019. they say I Still owed more money. I paid that amount XX/XX/2019. I want this to finally be over. I paid enough. I want a paid in full letter and this to be dropped from my credit report.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CA)

I lost my job and had a hard time paying off my credit card. I tried to resolve this by contacting Wells Fargo but they never responded or helped me. Eventually they let charges stack well past my actual credit limit and then sued me for collections. 

A lot of mistakes and over charges were happening which compounded the issue even further.
Consumer complaint received 2019-08-09
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: Experian Information Solutions Inc. (NY)

I am filing this complaint because XXXX  has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/19, I received a text alert from Capital One Bank, asking me if I had made ( 3 ) transactions at ( 2 ) XXXX XXXX XXXX. I replied " NON '' to the text. 

Then I noticed that on XX/XX/19 the charges from those transactions, appeared on my credit card account. I called Capital One, and asked them if they had disputed the charges with the merchant ( XXXX XXXX ), they claim that they did. And advised me that the card has a chip in it, and was present at the time of the transactions. Will I find that very hard to believe, because the card was in my possession, on that date XX/XX/19. Unless someone was able to get a card mailed to them at a different address. 

The XXXX XXXX XXXX, I called, and requested they check their camera video, and see it it was me, making the purchases on XX/XX/19. But the manager told me that XXXX XXXX Corporate office would have to give the ok, for them to do so. I am sending a request for such in writing to the main office, see what come of that. 
Stores where purchases were made : XXXX XXXX  # XXXX Amounts of Purchases ( 2 at $ XXXXea ) XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX XXXX # XXXX Amount of Purchase {$500.00} XXXX XXXX XXXX XXXX XXXX , FL XXXX Phone : XXXX I am disappointed in Capital One that hey should ask me to pay, for these charges, being a long time customer, I have never before disputed charges made on my credit card, why would I start now, reason would be that I did not make these charges. I should not be made to pay. for someone else 's fraud. 
Any assistance you can offer it would be greatly appreciated.
Consumer complaint received 2018-07-26
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)

I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX. Transunion : XXXX 2.  XXXX ( XXXX : XXXX. XXXX  : XXXX, Transunion : XXXX 3. XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

I was the victim of identity theft where someone opened up an account with two wireless cell phone companies ( XXXX XXXX XXXX & XXXX ). I contacted the wireless companies & provided documentation to prove who I am and that I was not the person who opened the accounts. XXXX XXXX XXXX investigated & determined that the account was fraudulent and that I was not responsible for the bill. On XX/XX/2019, XXXX XXXX XXXX notified the debt collection agency, Sunrise Credit Services, that the debt was not mine and that it occurred as a result of identity theft. On XX/XX/2019, I was notified by my credit monitoring account with XXXX and XXXX XXXX, that the debt collection agency put the account on my credit report anyway, which lowered my credit score by 20 points! I contacted the debt collection agency on XX/XX/19 and spoke to the Asst. Mgr, Mr. XXXX XXXX, who informed me that it was placed on there by accident. Mr. XXXX was very rude and when I asked him how they were going to take care of this, he was unable to provide me with an answer and that he doesn't know how long it would take for the agency to inform the credit bureau about their mistake. When I asked him why he doesn't know, he could not provide me with an answer and stated, " I mean what I say '', when stating that this was an attempt to collect a debt. I am preparing myself to buy a home and this will negatively impact this.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MD)

Failed refund transaction from CashApp. On Sunday, XX/XX/2019, I received {$140.00} using the mobile Cash app transfer and within one hour I refunded the same {$140.00} to the person I received it from. Although the app sent me a refunded receipt the transaction has not been completed she has not received the refunded amount of {$140.00}. 

I contacted Cashapp through the customer service email several times within this week and have not received a response from them or completed transaction. There is no way to speak with a representative on the phone.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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/Account # : 1. XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2019-08-09
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. (GA)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX  SELF-REPORTED XXXX, XXXX SELF-REPORTED 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 (  Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX  XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-10
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. (NJ)

I have noticed once I went on repayment based on my income, my statements no longer show interest accumulated on a month to month bases. Also noticed it does not show the extra payments being paid. My balance does not show a difference after payments were made. 

I also am noticing my subsidized account is not dropping and the interest is accumulating and unsubsidized loan shows a very small payment. I have made payments that would cover both loan interest for a month. Instead my student loans are barely dropping. My understanding is my interest should be around {$300.00} to {$350.00} but when I have paid {$400.00} a month the payment is only being made to the unsubsided account. 

I was lied to on the phone because prior to my paying my loans back, the website showed my monthly interest. My payments are not being applied to all my interest cause the interest is going up not down.
Consumer complaint received 2019-08-12
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: Millco Management (FL)

AMERIFINANCIAL SOLUTIONS posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX  and XXXX  have both removed the collection from my credit report, but XXXX  is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.