davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NC)

I have had a credit card with Chase ( Freedom ending with XXXX ) since XXXX. I have started having issues with paperless statement option since they introduced that option. I never wanted to have this option since they sent email for every little thing so it is hard to find statement in many email they sent. Many times I go to my credit card websites and make sure that the paperless option is not selected. For this particular bank and card, this option creeps back in time. Numerous times I became a victim of this and ended up paying late fees. For the last 2 years I recall at least two times I called Chase to make sure that I get paper statement mailed to me. Despite all my attempts, the Slate card which I seldom use somehow ended up with paperless option. The balance was about {$10.00} in XX/XX/XXXX. Over couple of months this became {$78.00}. Today I received a call from my mortgage refinance company telling me that my credit score went down about 100 points because of this Chase card. I called Chase, explained my frustration, pay the entire amount and close the account. I asked them to send a letter to me stating that this mishap was due to wrong statement delivery option and customer ( I ) was not aware of the past dues. Initially the person I talked to promised that an email with this letter was on my way. I hangup and waited but no email arrived. I called again and spend over 5 hours of phone conversation with almost all of their different departments. They refused to write such a letter. Here I am with no proof at all became a victim of their system. I can not prove them that I talked to them couple of times over 2 years complaining about the same issue. I can not prove that I made changes on line to make sure they mail statements. They treat me like a liar trying to take advantage of them but they are the one who charge me {$78.00} for {$10.00}. I demand their effort towards fixing my credit score. Because of them I can not refinance my house. Please help me to stop their abusive practices. Many thanks
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (PA)

As soon as I found out they place this on my credit report - I got there phone number and call them - I told them if I was notified I would have call them and talk to them about this I did pay them when I had them on the phone and I told me this would be removed right away
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Because of COVID19 my husband and I lost our income when the governor of CA ordered everyone to go home. This meant no more income for us. 
We tried to work and navigate with our credit card companies but CapitalOne refused to reimburse us the late fee our account incurred. 
On XX/XX/XXXX, because we have had no income it was hard to pay this credit card and they charged {$22.00} for late fee. I tried to have it removed and they couldnt help. 

CapitalOne is a XXXX dollar company and they cant help a client with a {$22.00} late fee? 

I am requesting that the CFPB protects the interest of the American citizens being taken advantage of by unscrupulous CC companies
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

When I opened my account, it was through a rewards program with XXXX - Immediately after the bank decided to close the account ( without notifying me ) all of the accumulated rewards were deleted on the XXXX website. I consider this to be a breach of contract. Eventually, XXXX was able to recover the account that was removed when the credit card account was, but not before the loss of earned points. After this, I also started to have problems with making payments. I go to make a payment online, and their system says : " MAKE PAYMENTS Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' And, miraculously, there are no problems paying AFTER the payment is late and they have charged me a late fee. I neglected to print every occurrence of this error, but I have proof at least that on XX/XX/2019 I attempted to make a payment prior to the due date of XX/XX/2019, and was prevented from doing so in this way, resulting in a late fee.
Consumer complaint received 2019-06-27
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: CarMax, Inc. (LA)

CarMax refuses to remove a fraudulent account from my credit report after they allowed someone to use my state driver 's license and personal information to borrow an auto loan. I was not in the country hen the contract was signed and CarMax fail to remove their negative account from my credit report. 

PLEASE READ THE ATTACHMENTS!!!
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I tried opening an account at Wells Fargo for a checkings/savings account for work. I had this bank before and it wasn't such a problem but was closed and tried making a new account last week and they said That they were unable to open an account with them and that in a week or two I'll be receiving a letter from them which is your agency and I'm a bit confused on what to really to look for to fix this so this is my best soluting thank you I'll be looking forward to hearing from you ASAP.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims been made by any creditor regarding this account. 
4. Any Judgments obtained by any creditor regarding this account. 
5. Name and address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (PA)

I have tried several times to speak with them through email and the woman that replied and refuses to respond to any messages or answer any questions.. calling direct express over the phone proves to be difficult ... I still have transactions that I did not make them because she's ignoring my messages more Time is passing and I won't be able to dispute these charges if I wait any longer ... The last set of disputes that I did I never got a letter I got one letter stating that they didn't see no error. Yet the charge was made in XXXX all of their letters always state that they see no errors. I'm now speaking with a supervisor XXXX i'm still getting nowhere. 
I can only speak through email because I am mute. It is better for me that I can explain myself what's going on ... can someone please take the time to speak to me through email.
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I purchased shoes on the XXXX XXXX   through PayPal using my debit ( used as credit ) card One transaction was XXXX and one was XXXX. 

I advised that these were fraudulent charges from a scam account. This account had scammed several others besides myself. PayPal denied it. Saying it was usual. 

. Not from the individual I bought from this time 2. PayPal has buyer rights yet denied mine 3. XXXX labels have been proven fake by a XXXX employee 4. The person I paid us gone cant contact
Consumer complaint received 2019-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I am very upset at how Carrington is forcing me to pay their attorney fee and court cost. Their attorney doesn't represent me so why should I have to pay their fee along with the court cost that they pay. Why do I have to pay them back! My first bankruptcy I didn't have to. But my second bankruptcy Carrington is trying to get all the money they can out of me! It was XXXX XXXX XXXX at first now Carrington is demanding that I pay their attorney fees! Carrington has the money to pay their own attorney! But instead, I have to add their attorney fees in my bankruptcy plan!
Consumer complaint received 2021-12-01
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. (CA)

In XXXX, I opened a personal loan for {$4500.00} with XXXX XXXX XXXX. In XXXX, I had that same loan with XXXX XXXX XXXX increased into a new loan amount of {$9000.00}. In XX/XX/XXXX, I then applied for them to convert that personal loan into a line of credit and it was increased to {$11000.00}. 

In XX/XX/XXXX, I lost my job and by the end of XXXX became unable to keep up with payments with XXXX  XXXX XXXX leaving an outstanding debt of {$7000.00} from the line of credit I had established with them in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXXXXXX XXXX " charged off '' the account but then XXXX  XXXX XXXX took the outstanding debt of {$7000.00} they charged off and created it as another NEW line of credit and reports it as a new line of credit on my report as of XX/XX/XXXX. Last week I had an agency, whom I gave temporary power of attorney, to contact XXXX  XXXX XXXX to discuss the credit and to negotiate a settlement. XXXX XXXX did release some information, however, they were unwilling to have a conversation or to provide information on how the debt owned was converted to a new line of credit established in XXXX as it appears on my credit report. 

How can a new line of credit be established as new credit in XXXX and it is not? It was given a new account number as well. 
Can XXXX XXXXXXXX XXXX do this to keep the negative account information " fresh ''?
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (DE)

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

So I was XXXX and had a joint checking with my mom and wells Fargo cashed 2 fraudulent checks and called me and told me that they even had footage of the person in Georgia using the ATM to cash the checks but they charged me overdraft fees and then wouldn't hear us out and closed my account despite taking my mom to the bank along with the copies they sent us of the fraudulent checks and they looked SO FAKE! but they said that their hands were tied and closed our accounts. I found that extremely unfair because THEY KNEW IT WAS FAKE TOLD ME ABOUT IT SUPPLIED ME THE INFO then REFUSED to keep my account open even though my Mom and i went to 4 different locations to fix this. Now my brothers and sisters all use wells Fargo but I'm ruined along with my mom and I was only XXXX you know so it looks so bad
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing this complaint without the assistance of any third party company. I am writing this complaint from my understanding of Federal Law that Experian is in violation of furnishing unauthorized information on my consumer credit report WITHOUT written instructions of the consumer to whom it relates ; XXXX XXXX XXXX. On XX/XX/2021 I mailed a notarized Affidavit of Truth highlighting several facts of violations that have occurred against me, the consumer. I have attached a copy of the affidavit of truth. The tracking for the certified affidavit ( tracking number : XXXX ) confirms the Affidavit of Truth was received by Experian on XXXX. Experian is in violation of reporting any information on my consumer report without written consent for me, the consumer. Additionally, Experian is reporting several inaccuracies on my consumer that I have disputed on XX/XX/2021 ( CFPB complaint # XXXX ) and XX/XX/2021 ( CFPB complaint # XXXX ) and both complaints have been ignored by Experian. If the consumer reports inaccurate information on said consumer report, the XXXX XXXX XXXX is required by law to remove the item from the consumer 's report until an investigation is completed. I have disputed this several times and never once has these been removed from my consumer report until the investigation is complete. It is the responsibility of the consumer reporting agency to only report true and accurate information. This is a violation of my consumer rights and I demand that Experian cease reporting any negative or harmful information on my consumer report as no written consent was ever given by me, the consumer. I received a response in the mail from Experian on XX/XX/2021 in response to my affidavit of truth which contained several violations and inaccuracies as the letter referenced an account that was never on my consumer report. Experian is failing to furnish accurate and true information on my consumer report. Based on my understanding of applicable laws ( 15 U.S Code 1681b, 15 U.S Code 1681s-2 and 15 U.S Code 1681e ( a ) ) which is federal law, these negative items should be removed from my consumer report. I am a victim of aggravated identity theft because again, there was never written consent given by me, the consumer to report this information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-01
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. (CT)

XXXX is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.
Consumer complaint received 2024-09-25
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. (WI)

I phoned the company XXXX XXXX XXXX on XX/XX/year> to see if they had an account open under my name ( spoke with a XXXX ) as there is an Auto loan on my credit report that was opened on XX/XX/year> for {$21000.00} that is NOT mine. They, XXXX XXXX XXXX stated that there is nothing open under my name or Social Security number. This information needs to be removed from my credit report.
Consumer complaint received 2021-12-01
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. (TX)

Dear Transunion : I XXXX XXXX XXXX am working on my own credit and I authorize the CFPB to receive info on my behalf so I can keep record for Law suit purposes if you do not honor or refuse to process my request. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX PXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2019-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Transunion and there are many fraudulent, unauthorized items on my report. Ive notified Transunion that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 13 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2019-06-27
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. (AL)

I typed in my XXXX XXXX account information for a payment of {$200.00} on XX/XX/19. I logged in and saw a payment reversal. The lady told me I had the wrong bank information in. This has happened several times. I just made a payment for {$12.00} with them with my XXXX XXXX account so there is no excuse for this. Now I have to wait for the payment to go through and the interest could possibly hurt my credit for XX/XX/XXXX. I was banking on having all the interest paid and all the interest caught up. Now this is very unlikely to happen due to the lack of Navient not changing the payment information.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I clicked on a link to get my free yearly credit report and went to the TransUnion website. They push me through a lot of deceptive links ( where the option I wanted was in tiny print and the link that cost more money is green and big ) and I eventually arrive at a page asking for my credit card #. I searched why they needed it and the site says its for security reasons to link with my identity. 

I finally see my credit score, close out and find a receipt for XXXX in my email today, XX/XX/20. 

I absolutely never would have paid that knowing I am entitled to a free report. I even checked before entering my credit card information why they needed it. This is disgusting and predatory behavior from a company I have no choice but to deal with. These people have done this before and are up to their old tricks. Please, please, help bring some consequences to this type of theft to hopefully prevent them from stealing from more people.
Consumer complaint received 2020-05-28
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. (IL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.