davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX I purchased a bike online using Paypal as my payment processor. The company I ordered from has been using Paypal for fraudulent transactions. They promise merchandise which they don't have or can't fulfill at the prices offered. Paypal sends them the payments and allows them to continue to do business even though there are numerous complaints. When you question the status of your order the company sends you a fraudulent tracking number for a different person at a different address. Upon reporting this to Paypal they deny your claim stating that they have received the delivery tracking information from the company. I have filed a complaint with the Alabama attorney general for the company which posted the bike. On researching the company I have found hundreds of complaints with the same scenario all processed through Paypal. Some have been successful in having their money returned, but many of us have not. I have opened an appeal of my denial with them but am still waiting to hear from them. Their business model is to protect people from this type of fraudulent transaction but they apparently are not following through. Please investigate as to why they are allowing a company to continue to process orders and payments when they are aware of the numerous fraudulent transactions. Thank you. 
Companies involved : Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AL XXXX
Consumer complaint received 2019-02-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Sometime after XX/XX/XXXX during XX/XX/XXXX, we received the Escrow Analysis Statement from XXXX XXXX XXXX ( FMC ). The statement indicated we had an shortage of {$1900.00} in our escrow account. I contacted FMC several times in XX/XX/XXXX ~ XX/XX/XXXX. I wanted to have a clear understanding of how they derived we were {$1900.00} short. I explained to several customer representatives over and over again we wanted Option 1 on page 1 which would require a lump sum payment of the shortage ( once verified ) to avoid an increased mortgage payment for XXXX. For one thing the amount seemed to be inordinate shortage. Then when I began to inquire how they came up with the amount they attempted to explain the entire analysis report. That's when I pointed out on Part 2 Your Escrow Account History showed escrow history beginning in XX/XX/XXXX with a balance of {$1900.00}. I explained we have been paying FMC at least since XX/XX/XXXX. Then when I downloaded the FMC monthly statements I found XX/XX/XXXX ~ XX/XX/XXXX statements showed Amount Due : {$0.00}. Then the XX/XX/XXXX statement shows Amount Due : {$1400.00}. The remaining statements showed this same amount until the XX/XX/XXXX statement which showed Amount Due : {$3000.00}. At that I requested an audit of my account and an updated Escrow Analysis Statement for XXXX. I received a letter from FMC dated XX/XX/XXXX. Attached to the letter was a detail history criteria from XX/XX/XXXX ~ XX/XX/XXXX. No explanation was given and there was no adjusted/corrected Escrow Analysis Statement for XXXX. Before XX/XX/XXXX our mortgage was administered through XXXX  XXXX XXXX  ( see complaint # XXXX ). They also had problems processing our payments timely and accurately. They decided to put our bi-monthly payments in a holding account each month and then process our payments when they felt it was appropriate. I've explained several times to both mortgage company 's there is no early payoff penalty for VA guaranteed loans.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I applied for, and was approved for a XXXX reward card from Chase on XX/XX/XXXX. After the first month, I got a bill for a small balance, around 33.00 plus the annual fee of XXXX. 

I paid the bill in full, including the XXXX annual fee the day the bill came due. 

On XX/XX/XXXX, I received a letter from Chase informing me that they had closed my account at their discretion. 

After calling them, they informed me that they had closed the account for a 10+ year issue on my credit report from a fraudulent joint account that was taken out in my name that was resolved a long time ago. They refused to reopen my account, return the annual fee that they charged me for a month of 'membership ' and also refused to remove the application and closure on my credit report.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

I have a credit freeze on my account in Equifax. I am going through the process of refinancing my mortgage. I need to unfreeze the account so the bank can get a credit rating. I can't get equifax to lift the freeze because they say i can't verify who I am. I have sent the documents needed as they have asked me to fax to them and I still can't get the credit freeze lifted.
Consumer complaint received 2019-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Innovis (NY)

Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX  XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX  XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX  IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXXXXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX XXXX, 2019, I was contacted by a representative of capital one advising me that they were closing my account due to the recent check deposit on XXXX XXXX was not honored. I contacted them last Monday that I needed it to say open to receive my SOC security. I was told the account would stay open. Since my deposit of {$770.00} has gone into the account, the funds are being held unlawfully, and need to be released immediately. I have XXXX XXXX and XXXX, XXXX XXXX and I need to move into an apartment RIGHT AWAY! I have bills - phone, storage, pets, children, and need my money am entitled to right now! I contacted them 3x Friday, and could not speak with anyone as they told me it was with the fraud security. In a recording it says 24 to 48 hours wait time, and still, as of now, havent been contacted by them! Thank you kindly for your patience & assistance in this matter! 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-20
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. (DC)

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Please Remove Accounts and Inquiries listed below 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 2019-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I wrote a letter toXXXX XXXX as requested from all three credit bureaus after disputing a XXXX XXXX  inquiry, I was told to contact the furnisher of the inquiry.

On XX/XX/XXXX I certified a letter asking for XXXX XXXX to provide a application letter giving my consent or permission to check my credit.

On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose.

XXXX XXXX responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving XXXX XXXX or these specific companies named in their statement permission.

XXXX XXXX Can Not Provide These Documents.
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NC)

This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major XXXX to remove XXXX  related XXXX in his XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I did a credit consolidation and completed the program, all debts " paid as Agreed ''. The creditor is reporting that there is a balance of {$2800.00} and that it was " charged off/bad credit ''. That is incorrect, it's XXXX balance, " paid for less owed/settled ''. Please report to credit bureaus correctly, as it affects my credit rating/profile.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/, 2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Consumer complaint received 2019-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Credit card from Bank of America was lost and used by someone to purchase items at stores. Bank of America denied my fraud claim twice because the card was used at the location on XX/XX/XXXX and XX/XX/XXXX which of course it was when I explained I had lost the card. Been a customer of theirs for many years and have never had any fraud claims filed and the first time I need their guarantee because someone else used my card they wont stand by their customer.
Consumer complaint received 2020-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. Capital One XX/XX/2020, XXXX XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, Capital One XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION (KY)

After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. 
Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called XXXX and they told me I had a negative remark on my drivers license from an account with UMB Bank. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call UMB Bank because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?
Consumer complaint received 2024-08-30
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: WELLS FARGO & COMPANY (VA)

My husband, XXXX XXXX and I paid off our Wells Fargo Home Equity Line of Credit Loan ( HELO ) in XX/XX/XXXX. I have repeatedly asked Wells Fargo Home Mortgage and XXXX to update my credit report concerning this account. I filed disputes with XXXX in XXXX and again this month, XX/XX/XXXX requesting to update my credit report to reflect the HELOC Wells Fargo account is paid in full and on-time. I reached out to Wells Fargo by phone this month XX/XX/XXXX ( once again ) to help correct this credit reporting error. 

I received documentation by email this month, XX/XX/XXXX from Wells Fargo Home Mortgage showing that HELOC account has been satisfied. The document shows the lien was reported to my local county and the lien was removed from my property. I requested that XXXX investigate and confirm that this account is, indeed paid in full and fully closed by Wells Fargo Home Mortgage since XXXX. My request has fallen on deaf ears for years. This false and inaccurate information has been continuously kept on my XXXX Credit Report for years causing great damage to my credit score, and financial damage preventing me from acquiring favorable interest rates for much needed home repairs and from obtaining college loans for my children. My house is almost paid off and I have been PREVENTED from applying for a new HELOC loan by this credit reporting error, and also the beneficial credit score rewards of paying off both my former HELOC loan and over 86 % of my house mortgage. 

XXXX knows that I have an excellent payment history for many years with all of my creditors. Yet, my credit score remains in the extreme low XXXX XXXX for YEARS due to many errors that they REFUSE to fix. How can my score be so low after nearly paying off my house since XXXX ( approx. 1 year left of payments ), and fully paying off a {$29000.00} HELOC in XXXX, and no missed payments for all of my other creditors? Why do I always have the extreme low XXXX 's credit score? ERRORS! 

This will be the last time that I will ask for XXXX and Wells Fargo to get together to correct this major error that has been ALLOWED to damage my credit, my personal finances, my family 's ( college ), and my home ( needed repairs ). The next complaint will be higher.