davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: DIGITAL FEDERAL CREDIT UNION (PA)

I mailed a certified membership application to DCU on Friday XX/XX/year>. The membership application was for my newly born son to establish a savings account for him ( born XX/XX/year> ). 

I previously worked for this credit union from XXXX. Additionally, I have continued to be a relationship membership for over 13 years, as has my wife. We use DCU as our PFI, however this may be subject to change.

Once DCU received my membership application, the reached out and stated they needed a copy of my driver 's license and my wife 's driver 's license as we both wish to be joint owners on this savings account. On page XXXX of DCU 's membership application it states : " If you are already a DCU member, you are not required to provide the REQUIRED IDENTIFICATION, but you must provide your DCU Member #, Legal Name, and SSN below. '' On my application, I provided all the necessary information outlines on the disclosures of the membership application indication my membership number, name, and SSN, and did the same for my wife. DCU is now refusing to open the membership unless I provide both mine and my wife 's license to " verify who we are. '' I find this quite absurd that a credit union I worked at for XXXX years, and banked with for this long is now requesting this information to verify my identity. Not only that but both my wife and I have had multiple loans ( Credit Card, and XXXX ), and establish XXXX other minor accounts for my other children. How much more verification outside of what was needed to be employed and bank there this long do they really need to establish an account for my son? This is beyond the extent of what is reasonable and practical to establish this account.
Consumer complaint received 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

I HAVE BEEN REQUEST FOR YEARS FOR THIS INCOORECT INFORMATION TO BE DELETED FROM MY CREDIT REPORT!! ON XX/XX/year> I FILED A POLICE REPORT ABOUT FRADULENT ACTIVITY BEING REPORTED TO MY CREDIT REPORT! I AM EXTREMLY UPSET THAT XXXX, XXXX, AND XXXX HAVE YET TO DELETE THE FOLLOWING JEFFERSON CAPITAL SYSTEMS ( XXXX ) {$1200.00}. I HAVE NEVER HAD AN ACCOUNT WITH XXXX!! ALSO, I HAVE FILED SEVERAL COMPLAINTS ABOUT A FRADULANT ACCOUNT REPORTING INCORRECTLY ON MY CREDIT AS WELL XXXX FROM XXXX XXXX IN THE AMOUNT OF {$7400.00}. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX. i HAVE ONLY HAD A PHONE BILL WITH MY MOTHER AND WE HAVE BEEN WITH XXXX FOR 10 YEARS NOW!!! PLEASE HAVE THIS DELETED FROM MY CREDIT REPORT THROUGH XXXX, XXXX, AND XXXX. THIS HAS CAUSED SO MANY ISSUES IN MY LIFE AND WITH MY JOB AND ALSO TRYING TO PURCAHSE A HOME!! REMOVE DELETE THESE ACCOUNT ASAP! I WILL ALSO BE FILING A COMPLAINT WITH XXXX, AND CFPB!!!!!!!!! HAVE PLACE A CREDIT FREEZE AS WELL
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my [ account/bank statement/credit report, etc. ], despite numerous attempts to address the issue. This letter constitutes a formal complaint concerning the many unsuccessful attempt to remove these unauthorized entries. 

The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines my trust in your institution 's ability to handle such matters effectively. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 2023-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding LLC won a default judgment against me by sending court paperwork to an address that I dont live at, and I was never served any paperwork to defend or dispute the alleged debt in court. Whats more, they filed the motion for judgment in a county that I dont live in to further ensure that I wouldnt appear for the court hearing. Now, my wages are being garnished due to this companys failure to notify me of the debt and allow me to challenge the debt in court.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-11
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. (CA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-05-20
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. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-02
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: MARINER FINANCE, LLC (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company portfolio recovery associates is reporting fraudulent inaccurate information on my credit reports ; XXXX, XXXX and XXXX. I have requested in writing that they provide the purchase agreement twice, XX/XX/2024 and XX/XX/2024, to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me and every time I have asked for such documents they re-age the debt and drops my credit scorXXXX which has been preventing me from homeownership for over XXXX years now.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NC)

Us bank I opened an account with. Closed it after taking my initial XXXX XXXX deposit a week later and said it bounced after I had XXXX dollars weekly deposit payroll. It had taken over XXXX  days and had not received my debit card so I used XXXX to transfer funds into the account to pay bills too many times in a week after calling about the debit card. They said closing the account and speak to a branch manager. They held XXXX XXXX in funds and a XXXX deposit and XXXX paycheck when they told me nothing could go in or out. Now my bills will be returned I will be charged : XXXX lady was kind with me and told me the truth - XXXX XXXX XXXX Nc branch manager, I spoke with and he told me to XXXX  off he didnt understand the XXXX transfers and called me a XXXX XXXX XXXX  words I wont say and I am not of either respected or any denomination of such for lack of better word. My funds are frozen and bills late and I have a XXXX veteran husband whom may lose heat or a vehicle payment missed because us bank lied and froze my money. Dont bother with them. No answers for XXXX days, XXXX almost frozen and I was harassed and without money with no answers as a working XXXX plus hour a week human being who cant pay bills now because I used XXXX and us bank
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

Chime Bank closed my XXXX with no warning in XXXX of XXXX. I made a desposit into my XXXX  and before the day ended I received an email from Chime stating they'd closed my account due to " fraud '' and that I would not be entitled to a refund. 

After calling the help line multiple times and being hung up on, the company ultimately asked me for additional documentation to prove I was the intended recipient of these funds ( despite the funds being transferred from the same direct bank account i'd used for the year and a half prior ). I sent in all requested documents and didn't hear anything back for weeks. 

Weeks turned to months, and each time I called in I was told that department was " only available via email '' and that I needed to just wait patiently for a response. When 6+ months passed I called and through a huge fit- only for them to request the same documentation as before, and then I was given the reassurance I'd receive my funds via check in the mail. It never came. 

Eventually they came back and said they did find my account wad fraudulent, so they closed it. When I reminded the company that I sent them proof that it wasn't, I was told " well your deposit was out of the guidelines ''. When I pointed out that it wasn't out of the guidelines I was told that I would get my refund within 2/3 weeks. Surprise, it didn't come ( again ). 

Chime has stolen the {$2800.00} I had in my account and hasn't been accessible via phone or email outside of dealing with a bot or a XXXX XXXX from the Philippines.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have, after received the response to XXXX complaint, # XXXX, exclaims appropriate by Wells Fargo XXXX XXXX XXXX XXXX XXXX, the letter dated XX/XX/2024, contained malfunctions, phone address, be relevant reach agents, exclaimed by the letter 's composition indications, should be correct available, in order further discuss remedy my complaint, attempt to contact both XXXX XXXX XXXX XXXX of XXXX XXXX branch, at ( XXXX ) XXXX, and XXXX XXXX XXXX, author, of the response letter, office, Escalations Representative, attending XXXX XXXX XXXX, his phone address be exclaim, ( XXXX ) XXXX ; Theirs phone 's malfunction. 
I was again become very upset with regards the continue malfunctions at concerns there Wells Fargo relevant, at other primary juris. banking errors. 
I have been very much caused upset mine VA diagnosedXXXX XXXX XXXX XXXX, again by this incident, concerns Wells Fargo 's phone address malfunction, and I am compel by here incident, caused additional injury, upset to illness, ask Wells Fargo bank 's management for an by law should be available me, now " claim form to injury '' jurisdiction, that occurs by fault Wells Fargo.
Consumer complaint received 2023-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Jamestown, Inc. (NY)

My name is XXXX XXXX. I am writing regarding four collection accounts that were reported to the credit bureau by Met Credit on XX/XX/XXXX, for {$770.00}. This debt was reported by XXXX XXXX XXXX prematurely as XXXX failed to bill my insurance company in a timely manner. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, indicating a balance due of {$260.00}, another letter dated XX/XX/XXXX indicating a balance of {$510.00}. I contacted XXXX XXXX XXXX on numerous occasions, verified my insurance information with them, mailing address and dates of services that dated back to XX/XX/XXXX. I was advised that this was going to be billed to my insurance carrier. 
On XX/XX/XXXX, the debt was reported to the Credit Bureau by Met Credit. On several occasions, I called Met Credit to explain the situation and requested that the debts be removed from my credit report as these debts were currently being billed to my insurance company and as of the date of this letter, they have not removed the debts from my account. On XX/XX/XXXX, I received an account summary from XXXX XXXX XXXX XXXX indicating that {$770.00} was out for billing. As of the date of this letter, XXXX XXXX XXXX has yet to advise or send correspondence regarding the status of the debts. I am requesting that these collection accounts be removed by the agency immediately as this has affected my credit and was reported prematurely by XXXX XXXX XXXX and erroneously reported by Met Credit.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I opened a XXXX XXXX Account from within my personal XXXX account that allowed me to make credit purchases digitally w/o requiring a physical card. When making a pmt to my XXXX, I would simply login to XXXX  & submit a pmt to my XXXX & we NEVER had an issue making on-time pmts for several months. However, at some point our XXXX  acct was hacked & then upgraded to a business XXXX account wholly unbeknownst to me. Once this happened, we no longer had any access to login & our XXXX  acct information completely got deleted from our account & left us with literally no way to even make a payment. Further, our acct was used illegally which increased the balance to over $ XXXX when we only used the card for approx $ XXXX {$700.00} in charges. I contacted XXXX multiple times trying to regain access to my account & figure out how to make a payment, but XXXX could never figure out how to fix my account, which caused me to have multiple late pmts reported on my credit, which reduced my credit score by over XXXX points & XXXX wouldnt help in the least bit even after sending in a copy of my police report along with a form that was supposed to be sent in w/ my police report. Fast forward to XX/XX/XXXX & as my husband & I were out in our yard planting flowers, we had a process server show up to serve us with court documents showing that Portfolio Recovery had filed a lawsuit against me & when I called, they threatened to garnish my bank account & that they would be contacting the XXXX XXXXXXXX XXXX XXXX to have my XXXX License suspended for being a XXXX  & not paying my bills. They have egregiously violated many consumer protection laws including never properly providing the debt validation documents which they are required to do so within XXXX  number of days.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

I requested the law firm identify if they are a credit agency or a law firm. The law firm has threated to sue me in court and garnish my wages which is a direct violation of the Fair credit reporting act.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report 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 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
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 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MS)

XX/XX/XXXX, I met with a vendor, as soon as I unlocked my card, money. The previous day b4, XXXX was taken and not returned. Plus XXXX. I called numerous times. I've done previous business with the gentleman before, on XX/XX/XXXX we had a appointment. As soon as I unlocked my card, there was a notification. Stating XXXX payment, I kept trying to cancel payments. My phone started buffing, when it came back on, my money XXXX was, being transferred to a unknown name, I explained this all to chime. Who told me she was a supervisor, and that my money would be temporarily placed back to my account. I explained to supervisor, that I had problems the day b4, and was assured the card 's would be canceled. Not even 2 hours went by b4 receiving email stating. My claim was denied.
Consumer complaint received 2024-05-02
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: CL Holdings LLC (GA)

The company, Jefferson Capital Systems, is attempting to collect a debt that does not belong to me. Its reflecting onto my credit report. Ive reached out to XXXX to investigate this matter via a debt validation letter. This letter is to provide a document of the supposed agreement between myself and the original creditor XXXX telecommunications. XXXX claims to have verified the debt but didnt supply me with the requested document displaying my signature signature of agreement with XXXX XXXX XXXX no longer exist. The company was acquired by XXXX and dissolved in XX/XX/scrub>XXXX XXXX XXXX. This is a complete violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

On XX/XX/2023, we paid off our home mortgage, which was with XXXX We had received notices that XXXX was selling our mortgage to MrCooper, as of XX/XX/2023. When we did the payoff with XXXX on XX/XX/2023, they said everything was correct and that it was good we did it earlier than XX/XX/2023, so we could avoid any possible issues with the transfer. We did everything properly and it should have been fine. 

But, instead, we received bills from MrCooper. We called them to confirm they did not have the loan and we had paid it off before it went to them. They said the loan was somehow transferred to them on XX/XX/2023, so they show that we owe them the full mortgage. We have been calling and emailing since. MrCooper said it would be fixed in early XXXX, then XXXX. Now they say it should be fixed by XX/XX/2023. 

Our escrow is due to be returned to us and has not been. Further, we continue to receive bills from MrCooper. They made the error, we did nothing wrong. And yet, we are negatively impacted.