davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Subject : Urgent Request for Deletion of Illegally Acquired Accounts Due to Equifax Data Breach I am writing to bring to your attention a matter of utmost importance regarding my credit information. Unfortunately, my data was unlawfully sold and purchased as a consequence of the Equifax data breach. I insist on the immediate removal of these illicit items from my credit reports. 

Enclosed is evidence of Equifaxs acknowledgment of my status as a victim of the aforementioned breach. Despite this, no remedial action has been taken by Equifax to address the issue. I implore your assistance in expeditiously erasing these illegal accounts from my credit reports. 

For your convenience, I have provided a comprehensive list of the negative accounts on my Equifax credit reports, including account names and numbers. I kindly request that you file this complaint with the Consumer Financial Protection Bureau ( CFPB ) on my behalf. 

Thank you for your prompt attention to this matter. 
XXXX : Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX. 

Your claim form has been submitted successfully Your claim number is : XXXX You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (GA)

1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , PA.XXXX ( XXXX ) sent my letters to connect {$10000.00} 2- XXXX  calls me twice per week phone # XXXX XXXX time XXXX XXXXXXXX  and XXXX time XXXX XXXX  XXXXXXXX  I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I called this number XXXX. I googled XXXX and XXXX gave me this number, this place inserted a app called XXXX XXXX this was on XX/XX/XXXX. On Saturday morning XX/XX/XXXX, I saw a suspicious app calledXXXX XXXX I immediately googled it and it's a app where they can actually take over your phone. I have screen shots of what cash app has and a screen shots as to where the money went. At XXXX am they tried getting into my bank account again I have emails where the bank did not let them in. I have a photo of the app that was inserted on my phone.today they tried getting into my XXXX ID. XXXX declined them I have that email also. I did not authorize these {$470.00} withdraw or the {$30.00} XXXX XXXXXXXX. Cash app says that I authoriz d it. I did nothing to authorize this withdrawals Sir please investigate this, please try to get my money back. My ID number is XXXX. This is my second complaint on this since I gathered more information.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

After noticing fraudulent charges on my account I spoke with a banker on the phone and they started a claim. These were for charges from XXXX and I e never had an XXXX as well as other online charges of services like payments over time that I've never used or never been familiar or know how to use. I wasn't even able to log in and check my online banking until a few weeks ago when my daughter showed me. This is after multiple attempts for them to show me how to use the online banking. They were always busy or required an appointment. 
After filing the claim I filed a police report over the fraudulent claims. I was assured by the banker I would be credited the money on the charges within ten business days. The only ones he wasn't sure would be refunded were the ones over 90 days old. Ten business days passed and nothing happened no word no credit. It was nearly 3 weeks that I called and told my claim was denied and nothing would be credited and nothing else could be done or appealed over the charges I never made. I feel taken advantage of and stolen from and the bank promises to protect from fraud and they just say denied and nothing further can be done. It's not right. I'm XXXX XXXX XXXX and never thought the banks could let your money be stolen and say too bad.
Consumer complaint received 2023-11-27
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Chase Bank for Declining Dispute of Fraudulent Charge ( Case Number : C # XXXX # XXXX ) To Whom It May Concern, I am writing to submit a formal complaint against Chase Bank regarding their handling of a fraudulent charge dispute, referenced by the case number C # XXXX # XXXX. My numerous attempts to resolve this matter directly with Chase Bank have been fruitless, and I seek the assistance of the Consumer Financial Protection Bureau in this regard. 
On XX/XX/2023, I encountered a fraudulent charge scenario while booking accommodation through XXXX. During a search for a villa in XXXX, I was led to a listing by an unknown individual in a group chat. The villa was advertised at approximately {$23.00} per night. Believing this to be a fair price, I proceeded to book the villa for a total of 4 nights. However, upon completing the booking process, I was unexpectedly charged a total of {$490.00}, a stark discrepancy from the initially advertised rate. Alarmed by this significant overcharge, I immediately reached out to Chase Bank to dispute the transaction. A representative from the bank provided reassurance that the matter would be addressed once the transaction moved from pending to posted. However, this promise was unfortunately not fulfilled. 
Upon returning from my trip, I discovered the charge remained unaltered. My continued efforts to engage Chase Bank, including detailed written communications and the provision of supporting evidence, have been met with consistent denials. The bank has unjustly relied on the propertys cancellation policy, neglecting the fraudulent basis of the charge. 
On XX/XX/2023, I received a communication from Chase Bank asserting the legitimacy of the transaction, thereby disregarding its fraudulent nature. This response is not only unsatisfactory but also indicative of a severe lack of client protection and service. 
I emphasize that I did not utilize the services of the villa in question, as substantiated by the attached proof of my communication with them regarding a refund and cancellation. 
Therefore, I respectfully request your intervention in this matter. I am seeking a full refund of the disputed amount of {$490.00}, including any related interest charges. 
I consent to the CFPB sharing this complaint with Chase Bank for their response. 
I appreciate your prompt attention to this matter and look forward to your support in resolving this issue. I am ready to provide any additional documentation required to substantiate my claim. 
Thank you for your consideration. 
Sincerely, XXXX
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (CA)

Dear Experian I am writing to formally request that you remove all inquiries made on my credit report related to my account with your company. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that all inquiries be removed if they were made without a permissible purpose or if they were not authorized by me. 

Upon reviewing my credit report, I noticed that your company has made inquiries, which have negatively affected my credit score and creditworthiness. These inquiries were made without my consent and without a permissible purpose as outlined by the FCRA. Furthermore, they are not in compliance with the Metro 2 credit reporting guidelines. 

As such, I demand that all inquiries made by your company be removed from my credit report immediately. Failure to comply with this request within 30 days will result in legal action being taken against your company for violating the FCRA and other applicable laws. 

Please confirm in writing that all inquiries have been removed from my credit report and provide me with a copy of my updated credit report. I look forward to receiving your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-11-27
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. (TX)

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX XXXXncorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with Equifax, XXXX, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax, XXXX, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, Equifax, and XXXX. 
XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
XXXX ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX  to correct the issue they initiated. No response. 
XXXX ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I was charged two unauthorized amounts of {$29.00} ( total of {$59.00} ) for XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX and immediately filed a claim with my bank, Bank of America XXXX They gave me a Temporary Credit Adjustment on XX/XX/XXXX for the claim # XXXX I cancelled my debit card and was issued a new one since this was a case of fraud. 
On XX/XX/XXXX I was charged from Bank of America yet again for the two amounts of {$29.00} ( total of {$59.00} ) under the charge of Temporary Credit Reversal I did not make these original transactions and do not know why my claim was denied
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

An Hard Inquiry was reported by my XXXX XXXX XXXXhat NORDSTROMTDBANKUSA accessed my credit information from XXXX on XX/XX/ without my authorisation. 

Location of the NORDSTROMTDBANKUSA is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had any thing to do with the above agency and and this is defiantly a fraud.
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal Money orders which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order numbers XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$16000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to EXETER FINANCE on XX/XX/2023 and XX/XX/2023. They accepted one of my instruments ( ending in XXXX ), but did not credit my account correctly. I did call on XX/XX/2023 at XXXX p.m. and spoke with XXXX and XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. 
Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2018-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Annual Escrow Analysis was performed on XX/XX/2018. 

As usual, I request RE-EVALUATION to REMOVE TWO MONTH DEFAULT. 

it's a painful process which i have to request every year .... 

Penny Mac automatically increase my payment every year. 
every year i need to call and request them to remove additional funds in the escrow and keep my payment AS IS ....
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I called equifax to complain about a XXXX points dip in my credit score. The 2 reasons they stated for the drop, were positive changes and I was concerned. 
After my complaint they relayed to me there were some issues with my identity and I went through the process of authentication with them. 
Still no change as of XX/XX/2023 The last report that I can view and access is from XX/XX/2023. Equifax is denying me access to an updated version of my credit report and credit score. This violation is interfering with my right to know the content of my credit report in a timely manner and is causing harm to my credit.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ID)

There was an unauthorized charge on my checking account from XXXX XXXX  XXXX in the amount of {$430.00}. This was for a bill that I already paid, XXXX XXXX XXXX  charged my twice. I submitted my receipt to show them that and CHIME denied my dispute without providing any reason even after requested
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc. (IN)

This complaint is about two companies. The first one is XXXX XXXX XXXX and the second one is American accounts in advisors located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are claiming that I owe them {$5100.00} I rented a vehicle from XXXX XXXX XXXX and was XXXX  by a semi truck. Semi truck driver was found at fault and his insurance company paid the damages. XXXX car rental claims that I owe an additional {$5100.00} due to depreciation value. First of all, no state allows for this to be claimed and second of all, I am not the financially responsible Party as I was not responsible for the accident. XXXX claim agreement says responsible insurance companies do not pay, but that is clearly not a legal thing to do. They could easily build the truck for {$5100.00} if they would like to, but instead, they are going after me. I asked them to take me to court because I know they will lose because this is not legal. They are refusing to take me to court because they know they will lose. The amount is more than a sufficient amount to warrant the court costs. They are trying to intimidate me into paying a debt not owed by damaging my credit with false claims.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after XXXX account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus thank you.
Consumer complaint received 2023-08-28
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. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THERE ARE BANKRUPTCY ACCOUNTS ON MY XXXX, EQUIFAX AND XXXX CREDIT RERPORT. THE SOURCE SAYS THAT THIS INFORMATION WAS OBTAINED FROM THE CLERK OF COURTS OFFICE. 
THAT IS NOT TRUE IM THAT THE CLERK OF COURTS DOES NOT PROVIDE INFORMATION TO ANYONE. 
THIS IS MISLEADING AND MISGUIDING AND INACCURATE INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT RERPORTS ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK (OH)

As I was searching for options in liquidity to take care of home related areas, I came across Discover Financials XXXX and decided to apply. During the application process the digital platform advised me to contact XXXX XXXX XXXX XXXX. I contact on XX/XX/year>. Explaining the situation I was trying to take care of, where my XXXXXXXX XXXX had gone out and was looking to obtain funds to cover the replacement in addition to home XXXX. I was advised that I was " approved '' but due to the length in timing to be able to obtain funds, I should utilize Discover XXXX Loan as an interim option and could consolidate into the Equity Line once funding completed ( estimate provided of 8 weeks for funding ). Unable to utilize the same inquiry ( as separate departments ) I apply for a Discover XXXXl Loan, which came back with much higher interest terms. The XXXX Loan process had also turned into a nightmare, as I had to provide identity documents four different times ( while not receiving open communication from them and refusal to escalate during my attempts to rectify ). Funding finally approves for the personal loan, where I am still awaiting for the check to come in the mail as they refused to submit for electronic disbursement, but the account is actively established ( prior to funds being cashed ). During this time I continued going through the steps of the XXXX, where I was required to submit more documents than I have ever had to submit for any lending process ( including that of Primary mortgages - where I have purchased two homes to date ). One of the documents request the representative actually asked for a picture of one of my physical credit cards, as they refused to accept the statement reflecting the active XXXX balance. Yesterday, I received an email that stated I was being denied for the XXXX. Which comes as a surprise, considering I was already advised that I was " approved '' and went over the terms including the receipt/signature these same loan terms. I was not provided with any additional detail other than I would receive a letter in the mail providing additional information. This seems to be a complete and utter deceptive practice occurring within Discover Financial Services, to advise of an approval and option to rectify a short-term solution with another one of their products at higher terms and then to deny the full funding of the original product that was advised I was approved for.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after XXXX account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus thank you.