davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Payfare International Inc. (PA)

XXXX XXXX ( Payfare ) has made a false transaction of {$450.00} from my account on XX/XX/2024 stating XXXX XXXX has debited the money. Ive called both. XXXX has shown me my transactions for the month of XXXX and there isnt any duplicate transactions of {$450.00} listed. Neither does the money shown withdrawn from XXXX XXXX statements. 3 of 5 times I reached out to support I was met with hostility and had the call ended by the representative. The transaction now shows as posted and they have stated Im not able to dispute this charge. Please help me rectify this situation as I have no other options or ways of getting to the bottom of this
Consumer complaint received 2023-03-13
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. (NJ)

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-03-10
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-10-05
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

On Sunday XX/XX/2023 at XXXX I was assaulted and robbed at gunpoint by two armed individuals near downtown XXXX, OH XXXX They took my XXXX, keys, and drivers license, and forced me to provide my phones passcode. Promptly after the incident occurred, I called Chase, explained to them the situation, and they advised that there were 3 pending transactions totaling {$2500.00} made through XXXX from my checking account into 3 separate accounts which I did not recognize. Chase then canceled my existing debit card, locked my account, and opened a claim on my behalf disputing these 3 unauthorized charges. A temporary credit of {$2500.00} was applied to my account on XX/XX/2023 while Chase investigated my case. The next day I received a new notice from Chase advising that after conducting their research, they determined that I had authorized the fraudulent transactions. Given that this was not the case, and that I did not authorize the charges, I called their claims department and asked for the claim to be reopened. The representative advised that I would need to bring documentation to a chase branch to have the case reopened by a private client banker. I went to my local branch with a copy of a news article pertaining to the incident, and my private client banker was able to successfully reopen the claim and had me send them a copy of my police report via email. On XX/XX/2023 I received a new notice from Chase advising that after more research, they still believe that I authorized those fraudulent transactions. I called Chase shortly after and the claims rep who answered advised that the Face ID  on my phone was used to initiate the transactions, and that they were using that as their basis for me authorizing the transactions. This is inaccurate as my phone was not in my possession at the time those transactions were initiated, and I had submitted proof to Chase demonstrating such when I opened this claim for the final time. The last update I received, my claim was still ongoing but it was unlikely that I would be receiving my stolen funds. 

I am disappointed by how JP Morgan Chase & Co has grossly mishandled this claim since the beginning, after I provided all necessary documents including a police report and news article of the event that took place. I have access to security camera footage showing my phone was not in my possession when the transactions occurred. Not only am I dealing with XXXX XXXX XXXX XXXX XXXX XXXX that took place, but I am waking up in the middle of the night with XXXX XXXX due to the financial uncertainties stemming from this mishandling. My emotional wellbeing has been directly affected by this situation, and my XXXX that I had worked so hard to get rid of in recent years has now returned. It is my hope that Chase and I can come to an amicable resolution, by having my money returned to my checking account without wasting time and resources in court.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 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 Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NM)

I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX XXXX  XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of 5,1 of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now. 
i ATTACHED THEIR RESPONSE STATING THEY WILL NO LONGER RESPOND TO ANYTHING ELSE PERTAINING TO THIS MATTER. I DON'T HAVE AN ISSUE WITH THE ACCOUNT CLOSING, MY ISSUE IS THAT I NEED MY MONEY BACK.
Consumer complaint received 2024-04-09
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my 9th 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. 
XXXXXXXX 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 2023-05-05
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TX)

Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.
Consumer complaint received 2024-02-07
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: JPMORGAN CHASE & CO. (NJ)

I have a a lot of credit hard inquiries from chase and its within short period of times. Looking to remove all off chase hard inquiries on my report. They have not and will not accept me. Its effecting my credit score significantly
Consumer complaint received 2024-02-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Webcollex, LLC (AZ)

I was working with XXXX XXXX XXXX to resolve debt that I had back in 2018. The debt with CKS financial and XXXX XXXX  were paid. However, the debt showed on all XXXX credit reports and showing in collections for CKS financial. I get debt collectors sending letters and calling when the debt has been paid. I have attempted to send disputes to the credit bureaus and letters showing the debt paid and to have them removed. They showed the debt as accurate and will not remove the items.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XXXX XXXX is the company I went to the company back in XXXX of XXXX took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was contacted by who I thoght was Bank of America about someone opening an account in my name. I believed I was dealing with the Bank of American when they asked to me to send a payment of {$3400.00}. Once I realized that the caller ID, which showed the call was coming from Bank of America and was the proper phone number, was not correct it was too late. I contact the Bank and they took my complaint and said I would probably not receive my funds back even though I truly believed I was dealing with the Bank.
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (NC)

Freedom Mortgage has caused my hardship since the loan modification paperwork was mailed to me. They omitted 2 apparently important pages from which contained full payment details and the deadline for the modification. When I called to make my 1st modification payment I found that the payment was almost double what the contract I signed actually said it was. I was on the phone for over an hour with them that day about it. I was not receiving monthly statement until I called and requested them. When I did the first one to come had a payment {$300.00} less then what i was told to pay when I called. They put forced placed insurance on my home 3 months after they paid my standing policy. I sent freedom Mortgage all their own documents as proof and it still took them 30 days to correct. They said I had no insurance claim money. When i pushed back they " found '' it and now it is almost {$2000.00} short. Have have sent 4 certified return receipt QWR and requests for information. They only replied to the first letter. The second letter was replied to 3 months later after letter 3 was already sent. Letter 4 has still not been replied to. They are quick to take your money but take their time when you need them to respond to RESPA requests. 
I had sent a full complaint with all supporting documents in XX/XX/XXXX. I received confirmation that XXXX received my complaint XX/XX/XXXX. I called XX/XX/XXXX and found out that it was processed as an inquiry so i am adding the complaint here in smaller form.
Consumer complaint received 2024-04-09
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX, I went to the TD Bank on XXXX XXXX in XXXX, Massachusetts. I requested a letter from the bank with the following information : date account opened, total amount deposited in the past 12 months and current balance. I explained that the letter is for immigration purposes and was told that it wouldn't be an issue. The request went to headquarters according to the representative I spoke to and would be made available to me within 2-3 business days. A week went by and I didn't receive the letter or a call from the bank. I called the bank and requested the letter again. On XX/XX/XXXX I got a secure email with a letter from TD that has my available balance and average balance for 6 months. I called the local branch and spoke to the manger regarding the discrepancy. I explained that I need a letter with these specifications due to immigration asking. She later informed me that they can not generate that request for past total deposit for 12 months. I called corporate to file a complaint and was met with the same response. I am entitled to this information and it shouldn't be so hard. I want the institution to provide me the proper information as requested.
Consumer complaint received 2023-05-05
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (CO)

Ideal Collections is commiting fraudulent activity, XXXX XXXX Apts tried to evict multiple people during covid. In XX/XX/XXXX i received a notice saying i owed an amount of {XXXX} or to return the apartment by XX/XX/XXXX. That was done, pictures of the property were taken as proof. All collected dues were taken and cashed. Approximately 6 months later they sent almost XXXX the amount to collections demanding i paid this. Firstly in the state of florida No Evictions were supposed to take place until XXXX of XXXX. Ive talked with my legal council and will have to take legal action if they dont rescind their collections. Theyre committing fraud, evicting college students during a worldwide pandemic and demanding money on top of it. Would never rent from this company in this lifetime again.
Consumer complaint received 2023-05-05
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX