davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On or about XX/XX/2023 I noticed that my XXXX  account and its 12 years of photos disappeared. During this period of time I was preparing for XXXX and a trip to XXXX XXXX to see my brother and his family. On or about XX/XX/2023, after doing an exteensive search I found a link to XXXX support and messaged them about fixing or reinstating my account. The customer service at XXXX contacted me and instructed me to download a program given 4 stars on various App sites and held in XXXX  XXXX, XXXX which would be utilized to de-bug my XXXX app and restore the account. I followed their instructions and recieved a realistic text with a case number and information pertaining to how they would resolve the issue. It was reasonable to assume they woorked for XXXX. Thereafter, I traveled to XXXX XXXX, did not check my business account at Chase, and did not look at XXXX for several days. However, I started recieving strange texts about accessing my Chase Bank app as a. way of fixing the instagram issue. I immediately contacted Chase fraud, and filed a claim. It was at this point, that I realized 6 wire transfers not authorized by me were sent to another Chase Bank and to a person who I did not know. Chase could not retrieve the money, they did not give a reason why I would not be refunded. I did not aid or abet in this theft and Chase never sent fraud texts, calls or emails to alert me of these illegal wire transfers. I have opened investigations with the XXXX XXXX, XXXX  police who are pursuing a case against Chase Bank and the FBI is investigating hacking of bank accounts in general. However it is this Bureau which was created to aid consumers like me. I have sought legal counsel, however, such a lawsuit will take years. With the flick of a pain or a phone call to Chase, I believe pressure could be applied to return those funds to me or they could face prosecution or a civil lawsuit with treble damages. The other entities involved would be XXXX, who may have falsely linked themselves with hackers, the hackers themselves and XXXX which is really a tool for hackers unbenownst to me at the time.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-02
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. (AR)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (NY)

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe inaccurately reflects my credit history. The late payment pertains to my account with VW CREDIT INC, account number XXXX. The bank failed to send a statement in time to establish payment. And I received a statement after 30 days past due. I promptly contacted XXXX ( VW CREDIT INC ) to rectify the missed payment. Unfortunately, they provided no satisfactory resolution and failed to take responsibility for the delayed statement delivery. They suggested filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) as the only recourse. 
I believe it is unjust for this late payment to impact my credit report. It resulted solely from the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure timely payment.
Consumer complaint received 2024-02-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

This is an issue related to a Citi Home Depot Credit Card XXXX. In XXXX of XXXX I was notified that another Citi Home Depot customer was using my social security number. I contacted Home Depot Customer Service to no avil. I submitted a complaint through CFPB see.. XXXX. You submitted the info to Citi. I provided Citi Bank with a copy of my Texas DL, my US passport, and a copy of my social security number. Citi initially denied my resolution and advised that I needed to get a letter from Social Security to prove that the social belonged to me. I scheduled an appointment with the XXXX social security office. They provided me with a statement that showed that the social security number belonged to me ( XXXX XXXX XXXX ) and not XXXX XXXX. Upon submitting the information, Citi reached out to me and advised that this was an internal mistake and they would remove XXXX XXXX from my social security number. They also credited my Home Depot account a {XXXX for my trouble. Fast forward - I was shopping at home depot on XX/XX/XXXX and XXXX/XXXX/XXXX. As I was checking out, using my home depot credit card - I notice that XXXX XXXX has been added back to the account using my social security number. How can Citi Bank get away with this practice? I'm more concerned now, since have given Citi more of my personal business such as additional credit cards and a savings account. I am concerned that they are allowing others to use my social security and is not taking this issue serious. I am also concerned that your company closed the account without having showing the final outcome from Citi Bank.
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX Opened a fraudulent account under my name went to collection and I proved them it was not mine. 
They were willing to delete it and they did 6 months later a credit dent collector ( XXXX XXXX XXXX ) is trying to collect something that was previously deleted and settled because it was no mine
Consumer complaint received 2023-05-02
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. (GA)

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, EQUIFAX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

First of all, this is the 3rd time we've complained to have the complaint closed by CFPB. We got a letter from CFPB after, stating we are not the ones filing this complaint. We are a XXXX veteran and XXXX XXXX XXXX civilian family. This is illegal for the company we are complaining about to harass us as XXXX individuals. They keep calling, stating they are a law firm working for CAPITAL ONE, looking for XXXX XXXX my former name but referencing BOTH of us that we have to pay and are being sent to jail!!! We called them back to be screamed at. They id themselves as a law firm, working for CAPITAL ONE, stating we are going to jail. We are both XXXX. One of us is a XXXX veteran. They said that we will be arrested, served, and prosecuted if we do not pay them. They are claiming to have a debt from CAPITAL ONE that we must pay to them because they are part of capital one. We communicate with capital one on a daily basis. Our bills are paid at capital one. These people say to send them over {$3000.00}. We'd appreciate it if they are stopped from harassing, communicating & calling us and family members & neighbors. They have different numbers. This time, they are telling us to call XXXX and reference number XXXX XXXX!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XXXX, i sent transunion, XXXX, and XXXX more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

In 2021 I had Banked With Wells Fargo and I paid my Rent to a contract company and i had informed my landlord I am Moving out of the room and he did not inform the rental company and I was charged {$350.00} then Double dipped my overdraft fees I have proof.
Consumer complaint received 2024-02-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX has stolen my vehicle from my address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. After doing research for my vehicle XXXXXXXX XXXX XXXX has forfeited there license to do busy in the state of Maryland see Attached Exhibits. In accordance to 15 USC 1692f ( 6 ) XXXX XXXX XXXX has violated my rights by threatening me and repossessing my vehicle.

15 USC 1692 ( f ) UNFAIR PRACTICES Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX  alert came across my email to inform me that I had a negative inquiry. My account is frozen and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency named Helvey & Associates Inc., stating the collection amount owed is {$1700.00} past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've never opened up an account with this company.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-02-11
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: CITIBANK, N.A. (CA)

The problem started when I disputed a {$200.00} credit card charge. My initial dispute was caused by not recognizing the charge, but ultimately it turned out that the dispute basis was for merchandise not received ( a gift certificate ordered in response to the merchants XXXX XXXX promotion ). The merchant also charged the wrong amount, failing to honor the promotion it sent me, and then never sent the merchandise it claims it delivered. The merchant never provided proof of delivery, and never provided any evidence that the gift certificate was used or otherwise applied. 
Ultimately Citibank would not credit me the {$200.00}, saying the merchant would not honor the chargeback. I objected to Citibank, stating the fact that the merchant will not honor the charge back is consistent with this fraudulent business practice ( not honoring the promotion and not delivering the gift certificate ). 
Thereafter, when I asked the merchant about the missing gift certificate, it was sent to me. I was told it was good for any merchandise and it did not expire. 
Later, when I tried to use the gift certificate, the merchant told me that because of the charge back request, the gift certificate was voided and I was banned from ordering anything from the merchant. 
I immediately wrote to Citibank, asking for the dispute to be reopened, and reiterated the events where the merchant refused to honor the charge back, but has voided the gift certificate and banned me from any transactions, and asked that the {$200.00} credit be reinstated permanently. Citibank refused my request without any explanation ( enclosed ). 

In effect, Citibank has partnered with the merchant to steal {$200.00} from me. This is not what I expect from a major national bank, and if it is not illegal, it should be.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greenberg, Grant & Richards Inc. (CA)

XXXX XXXX a rep for GREENBERG , GRANT & RICHARDS INC. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX contacted me on XX/XX/XXXX about collections with quickbooks over payroll. My company missed payroll in XXXX and XXXX covered it. I had a XXXX XXXX during this time and my mother in law died a few days later. This was no excuse, but I was going through a lot. I had every intent to pay this debt. XXXX XXXX XXXX stated that he worked for a law firm and had been retained to take care of this matter. He implied he was a lawyer, when he is not. He stated that XXXX has a zero tolerance towards payroll and my failing to cover payroll could be construed as intentionally committing fraud which is a felony. He stated to me that he would prefer to get this handled before they " go this route '' but I had to start making payments now. All I had was XXXX which I paid. He wanted another XXXX on a specified date and the remaining amount on another specified date. I am seriously ill. I missed the second payment because receivables had not cleared my business accounts. When the payment was missed, he stated that I had committed multiple felonies with the intent to commit fraud that crossed state lines. I told him that I was trying but having serious health issues and family issues. I paid the XXXX a few days later and was told I could pay the rest at the end of XX/XX/XXXX. A few days later while being with my mother on her death bed ( she died that day ), I was again harassed by XXXX XXXX about payment ( though he already told me I had until the end of XXXX ). On XX/XX/XXXX I paid the debt in full to XXXX XXXX XXXX. 

I realize I owed a debt. The tactics though by XXXX XXXX XXXX should be considered illegal. Having a XXXX XXXX, mother in law die, then my own mother dying and then having to endure threats by XXXX XXXX is unacceptable. I have copy of emails that shows the threats. My wife was present when he represented himself as an attorney. 

I have 3 master degrees, graduated from XXXX XXXX  ( not an attorney ) and I am a former XXXX XXXX. SO I know the laws. I know the actions that he made to try to intimidate me are illegal. Quoting the law and implying he was an attorney could also be construed as practicing law without having a bar card with the state of California. I want a formal investigation done on this individual and appropriate fines against GREENBERG , GRANT & RICHARDS INC.who is vicariously liable for the conduct of their employees.
Consumer complaint received 2023-08-12
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$270.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KY)

i have been paying halistead financial for a debt owed to lvnv funding, they have reported no payments since XXXX when i have made payments in every month since XXXX. debt reflects incorrect amount and has not been updated to reflect my timely payments. the paid amount is XXXX and remaining is XXXX, the debt owed still reflects {$710.00}, after the first payment was made
Consumer complaint received 2024-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (PA)

My matured money market account check should be mailed to me as of XX/XX/2024 and it should take about XXXX  to XXXX  business days to receive it which is XX/XX/2024 at the latest. But it hasn't arrived yet as of today XX/XX/2024from the PenFed credit union.
Consumer complaint received 2024-02-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (NC)

Hello to whom it may concern, I have been paying XXXX XXXX  for almost two years after XXXX XXXX took over and my balance at that time was {$360.00} now we are in 2024 and its still at {$320.00} I called them and ask them to explain why hasnt it gone down they have nothing to say they are stealing from customers after XXXX XXXX took over I need an investigation on why my balance has not gone down since XXXX XXXX took over
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of Identity Theft, my former roommate opened a XXXX XXXX with XXXX XXXX Credit Card account in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENTED ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE