davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-22
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. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear Consumer Financial Protection Bureau, I am writing to dispute an error on my daughter 's credit report. My daughter was recently removed as an authorized user from my Capital One credit card account. However, despite bringing the account current with a {$600.00} payment and removing her as an authorized user, her credit report indicates that the account was closed terminated and the balance went from {$2800.00} to {$0.00} reported negatively, causing her credit score to drop by XXXX points. Which is incorrect my credit card was over the limit {$3300.00} and I paid {$600.00} and still have an outstanding balance of {$3000.00} and the minimum payment is due by XXXX of {$110.00}. 

On XX/XX/year>, I spoke with a Capital One manager named XXXX ID # XXXX who apologized for the misinformation I received on XX/XX/year>, when I was assured that removing my daughter XXXX XXXX from my Capitol one credit card ending in XXXX. It would not negatively impact her credit. XXXX ID # XXXX ( Manager ) confirmed that the account is still active and in good standing. However, she indicated that I need to address this issue internally and write to the credit bureaus to correct the error. 

This situation is causing significant distress as my daughter is in the process of purchasing her first home. Additionally, I have been overwhelmed with paperwork due to XXXX deaths in my family over the past year. Given that the account is active, open, and current, I believe it is unjust for my daughter to suffer from this error. I am still paying the account and it was never closed. How could they report incorrect information to credit bureau and this has adversely affected my daughter 's credit and home buying process. The manager XXXX employer number XXXX adv they are not credit specialist and it needs to be updated in writing because the account is closed. Which that's incorrect the is open and active and still being paid on by me. XXXX XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (DE)

I withdraw money at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX ATM aroundXXXX on XX/XX/year> for XXXX and I only received XXXX. 
Never had this happen before.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I called Chase Bank to report an unauthorized transaction on my checking account which was listed as a {$400.00} withdrawal dated XX/XX/2023. I did not make that withdrawal and did not loose my debit card. Chase provided a temporary credit for {$400.00} and opened a claim. 

On XX/XX/2023, Chase reversed that claim which left me {$400.00} out of pocket. I did not receive written notice of the reversal nor did not receive any explanation from Chase. 

On XX/XX/2023, I called Chase to follow up and was informed that they could not be of further help. Chase did not provide any evidence that the transaction was authorized. 

I have filed a police report with XXXX and am now writing to seek the CFPBs assistance to obtain reimbursement for this fraudulent transaction which was committed while I was in continued possession of my debit card.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Revolut Technologies Inc. (GA)

On XXXX XXXX XXXX I contact Revolut regarding my existing account, which has been active for almost 2 years. I contacted them to inquire about raising my transfer limit in order to send a substantial sum of money to my XXXX bank account to facilitate a home purchase. Revolut asked that I verify my identity, twice, by sending passport photos and a photo of my face through their verification portal. I did so, twice, as asked. Revolut said that they could not verify my identity despite no changes in my appearance between the passport photo and myself. Subsequently, Revolut froze my account, locking up the {$900.00} I already had deposited there indefinitely. Despite assurances that this would be resolved within an hour, it has not after many hours. Customer service has been completely unhelpful and can not explain why my account, despite being active previously without the new identification steps, has been frozen nor why they are unable to identify me. They refuse to escalate the issue to anybody and are simply refusing to return my funds.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, I reached out to XX at US Banks XXXX XXXX, CA office. I explained there is another individuals name listed as the borrower on my US Bank online account after refinancing my house in XX/XX/XXXX. XX contacted his Loan Assistants ( XX and XX ) to research the issues. US Bank decided the issue is with the recording office ( XX ). 

XX/XX/XXXX, I reached out to XX asking to review their recording filings. 
XX/XX/XXXX, I filed an online complaint to US Banks Fraud Request Line. 
XX/XX/XXXX, received a secure document from US Bank ( XXXX ) stating a 3rd party entered the information incorrectly and US Bank is unable to remove it. 
XX/XX/XXXX, after several emails and documentation review, XX, Manager at XX, proved the recordings are correct and the clerical error is within US Banks system. 
XX/XX/XXXX, I sent my loan officer an email expressing my disappointment with the issues. 

On XX/XX/XXXX, I moved from CA back to my primary home XX. Since then, I have been receiving mail for XX at my home address AND my mother in CA, where I resided when I refinanced in XXXX, is now receiving mail for XX with my previous address : XX. 

XX/XX/XXXX, I requested a HELOC Loan from US Bank. Once closed, I again, saw XX name on my online mortgage account. 

XX/XX/XXXX, I called the County, and they confirmed the deed to my house IS in my name and US Bank has a clerical error in their system listing XX on my account. the County has XX document number as # # that includes a trust to XX and XX ( this information is included on my mortgage screen on US Banks website ). 

XX/XX/XXXX, I forwarded the information to XX, who started my HELOC process to ask if she can correct this mistake in the system. She reached out to her team ( XX ). XX replied to contact Mortgage Customer Service to see what they can do. I called XXXX, talked to a representative who recorded my case and NEVER HEARD BACK. 

XX/XX/XXXX, I emailed XX tell her my mom received mail at my old CA address with XX as the addressee asking X if she wants to sell her house with my address. 

XX/XX/XXXX, I posted my situation on XXXX via US Banks site. X from US Banks Media Customer Service reached out asking how he can help resolve this issue. I sent him my documentation and he notified me it can take up to 10-15 days for resolution. 

XX/XX/XXXX, I received a packet from US Bank with the documentation from my refinance in my name. THE ONLINE PORTAL STILL SHOWS XX IN MY ONLINE ACCOUNT INFORMATION. I WANT IT REMOVED.
Consumer complaint received 2024-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (MO)

I first reached out to this company last XX/XX/year> asking for an investigation on account XXXX which has been reported on my credit report as a charge-off with a balance of {$9400.00}. They responded on XX/XX/year>, they were asking about the vehicle identification number, the account number, my name my address, etc. Why would they be even asking for that information, should they not have that information on file already since they were the ones who reported it on my credit report? Also, they said they would update the payment history., it doesn't make any sense! Upon checking my credit report just recently, it turns out nothing was updated! 

Pursuant to 15 US Section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, they should provide the procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Which they have failed. Please help me remove this account from my credit report
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I went to a Chase XXXX in XXXX XXXX, CA to make a wire transfer of {$230000.00}. The wire transfer was handled by XXXX XXXX banking officers. Several hours letter, I received XXXX emails from Chase to contact them regarding the restrictions placed on my account and also closing of the account. I contacted them immediately to go over the restrictions placed on my account and also learnt about closing of my account. I understand bank has the right to cancel my wire transfer and also to close my account. But Bank has the obligation to do so without causing financial distress to the customer. I had a wire transfer request for {$230000.00} and this was handled by XXXX XXXX financial officers at the XXXX branch of XXXX XXXX, CA XXXX. At no time, I was advised by the bank officials that if the wire transfer does not go through, Bank is going to go through an account closure process which will take XXXX days and the funds will be sent to me by check using US mail XXXX I can not wait XXXX days to get my funds of {$230000.00} and this will cause undue financial hardship. So I requested the bank to remove the restrictions and get my money back immediately and my request was denied. 
I am therefore sending my official complaint with the Consumer Financial Protection Bureau overseeing the rights of the consumers from being unfairly treated by the abusive power of the banks. Holding my funds of {$230000.00} for XXXX days is completely unnecessary and is extremely unfair. I pleaded with them to reverse the bank decision and return my funds immediately, but my plea was declined. 

Sincerely, XXXX XXXX XXXX Chase Acct XXXX. XXXX Ph XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (FL)

I am a victim of identity theft. I informed all 3 credit bureaus about accounts being opened in my name in XXXX  until now. I have repeatedly asked the credit bureaus to remove all erroneous accounts such as rental debts, etc and they have refused to do so. Each time I ask them to investigate these alleged accounts my credit will update immediately within minutes saying verified/remains on credit.
Consumer complaint received 2024-06-04
Product: Credit 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: SYNCHRONY FINANCIAL (NY)

Charged a total of {$250.00} to my PayPal card to pay for a seller 's item on XXXX. 
The item was not as described and not authentic, a total fraud. 
I opened a case with XXXX to return the item and get a refund. 
XXXX sided with me and a return label was sent to my email. 
In the interim I contacted PayPal to let them know what happened, which i thought was the right thing to do. 
When XXXX learned of this, XXXX closed my case. I could not return the item and did not get a refund. 
XXXX said I had to take the matter up with PayPal, which I did. 
XXXX declined the refund saying they sided with XXXX you had canceled the refund. 
But, XXXX had already accepted the item for return and a refund. 
So XXXX sides with XXXX and will not refund the money but, XXXX had authorized a refund. 
I am entitled to a refund. Having both XXXX and PayPal declining to do so is not acceptable.
Consumer complaint received 2024-08-14
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. (FL)

Based On, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account ending in XXXX. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXX as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to XXXX XXXX  over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, XXXX XXXX should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, XXXX XXXXXXXX has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " Holder in Due Course Rule '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. XXXX XXXX has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. Use the Principal 's interest to settle the alleged debt and return the payments made by the agent back to the agent as outlined in 15 USC 1615. Remove all the derogatory information from the Principal 's ( XXXX XXXX XXXX ) consumer report. XXXX XXXX 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (CT)

In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXXXXXX XXXX I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name.

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password. 
2. I received mail regarding a XXXX XXXX credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed. 
3. I received a call from a XXXX ( XXXX ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at XXXX XXXX in my name. 
5. I received mail regarding a failed attempt to open a credit card at XXXX  in my name Following these events, I filed at FTC Fraud report, specifically naming the XXXX credit card ( {$1300.00} balance ) and the XXXX account created ( unknown balance ). I also generated a Credit Report using XXXX. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me. 

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had XXXX remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX ( 1 time ), XXXX XXXX ( 3 times ), XXXX ( 1 time that is fraudulent ), XXXX ( 1 time ), XXXX ( 1 time ), and XXXX XXXX ( 1 time ). I am not able to dispute these inquiries. 
3. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and XXXX removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: COMMERCE BANK (NE)

Commerce Bank- XXXX  XXXX XXXX MO XXXX I had scheduled payments to pay my balance in full. The autopay was cancelled by the banks technology rules and have tried to get {$36.00} in interest waived/ reversed and a supervisor was supposed to call me in XXXX hours to resolve and did not. This Bank is absolutely the perfect candidate for CFPB enforcement action as they are deceptively and incompetently run. I want resolution followed by closing of my account, as I will avoid this bank in the future. Absolutely atrocious experience.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.