davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (TX)

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. 

The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXXXXXX XXXX  {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Im in the process of buying a home, and searching my credit bureau I found a collection debt not belonging to me. I contacted the debt collector and verified I was not the correct consumer owing the debt and they agreed. I requested an email for my lender, clarifying the error, and they rudely responded they will not do that. I am not in their computer, nor am I customer. The then stated to figure it out with the bureau and hung up. They have knowledge of the account not being mine, yet they updated the large debt a few days ago on my credit report as being my debt. This erroneous or fraudulent report has caused my score to drop drastically, as well as halt my home loan completely. All my lender needed was an email stating that in fact it was not my debt, and they could continue the process. They knowingly pushed me away, after negatively reporting on my credit, and refused to correct the issue or attempt to make it right, and prevent me from suffering further undeserving derogatory credit. Without the debtors letter confirming Im the victim, I have no official proof or documentation to show the bureau and have it removed. Its in my opinion bad business practice to report erroneously on ones credit, and turn their back on the innocent victim instead of admitting the mistake and correcting it.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

In XXXX I received a letter from Chase Bank stating that my credit card account that was not delinquent and had always been paid on time since opening 8 years ago, would be closed. The reason given was that it was associated with an account that was closed. I am not and have never been the primary account holder of any other accounts at Chase, but my mom did add me onto her checking and savings accounts years ago in case of an emergency. When I reached out to Chase about this, I was transferred XXXX  times. The XXXX  person I spoke with told me that my credit card account would be reinstated and no further action was required by me. A few days later, my mother received a letter similar to mine, but it only stated her checking and savings accounts would be closed. Not her investment accounts OR her credit card account. To date, her Chase credit card is still active. Today, XX/XX/XXXX, I discovered that my credit card account has indeed been closed. I reached out to Chase and was told that the person I spoke with last month lied, that my account is closed and there is nothing I can do about it except apply for a new credit card with them. They would not give me any reason as to why my account was closed. I am frustrated that not only was my account closed after I was told it would not be, but also because I am left wondering why this happened in the first place. I travel frequently for work and had this happened to me XXXX weeks from now, I would have been in another state without a credit card to make purchases with. Speaking for all Chase customers, I feel like we are owed an explanation as to why our accounts are selected to be closed for what seems to us to be random reasons, and they need to work with their representatives about telling the truth when it comes to account status.
Consumer complaint received 2023-05-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (WA)

Received misleading mailer, which looks like an official document, but is actually just an advertisement. The Ad has a year on the top right, which makes it look like it came from the IRS or other government source when in fact it's just an advertisement. This is false and misleading.
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

Once I realized my credit had been compromised I went on a campaign to repair it one of the companies I came up against was National Credit Systems the original complaint came from XXXX XXXX XXXX XXXX to which I never lived at. I have been trying to get them to remove this from my credit report for years. It was actually removed from XXXX and XXXX for some reason it is still on XXXX. I didn't even get the chance to ruin my credit someone else did it for me I am trying to buy a house in the next two years and this is a problem. These people are rude I try to reach out them so that I can get the details of this account and they hang up or don't want to speak to me. I figure this is the best way so that we can take care of this once and for all.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I applied to SAVE program well over XXXX weeks ago. I was approved in XX/XX/2023, In the meantime my interests are accruing dramatically and I am going to be financially responsible due to them being understaffed and unable to handle the volume of student loan applications. The wait times for phone calls are XXXX hours and their customer service line is completely useless and have no clue how to handle or trouble shoot any issues. I qualified for the XXXX program and they changed me to forbearance which severely impacts me down the line. I would like to be placed on XXXX immediately so I can repay my loans without my balance increasing
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX  twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX  remove immediately. acct balance is incorrect and XXXX XXXX  allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX has removed this acct but not Experian or transunion
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

American Express openly advertises that it will approve a person applying for business and personal credit if that person has a XXXX XXXX, has an income of at least {$3000.00} a month, and verifies these items. I confirmed all of these items. 

American Express asserts that it accepted full payment of its accounts from me over seven years ago. 

American Express declined me today for information that is not on my credit report and outside its advertised guidelines. This is discrimination, bias, and an Equal Credit Opportunity Act violation. As a XXXX American, I have been denied access to credit based on my race and zip code, as identified in my application, and not my creditworthiness, income, and credit score, all exceeding American Express requirements.

I request that CFPB include this complaint and inquiry into American Express activities and why long-settled items are included in an evaluation of credit outside of the statutory period and contrary to the ECOA.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (OH)

I am trying to review all of my current and past account and was requested statements from Barclays they keep giving me a run around. I tried calling in numerus times to order the full statements for this account and they will not send them they just sent me one month. When I received them and called back again to try to reorder them I got a call from " manager '' saying they couldn't help me. I then received a little saying the samething.
Consumer complaint received 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (RI)

In XX/XX/XXXX, I received a plastic American Express Prepaid Management gift card valued at {$75.00}. 
I stored it in a safe place at home. 

On XX/XX/XXXX, I checked the gift card 's status online at : XXXX XXXX XXXX XXXX XXXX I saw an unauthorized charge for {$65.00} that appeared to take place XX/XX/XXXX to XXXX XXXX. 

I called American Express Gift Card customer service ( XXXX ) to report the fraudulent use of the gift card. I noted that the card states it is replaceable if lost or stolen. 

A customer service agent said she could not do anything about the charge ; she referred me to XXXX. 

I asked her if she will report the fraud to authorities ; she said she would report it internally. 

I called XXXX ; a XXXX customer service agent said she could not find any record of the charge and referred me to XXXX to file a complaint. 

Neither American Express Prepaid Gift Card Management nor XXXX resolved my complaint.
Consumer complaint received 2022-12-06
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. (CA)

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A WEEK. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. I'M WILLING TO PRESS CHARGES ON XXXX XXXX IF HE IS CAUGHT! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ridge & Valley Realty, Inc. (NM)

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$380.00} as of XX/XX/2018 This bill should have been paid by insurance and I have never received any correspondence from company. I have written them to try to resolve, but they have not responded. I will pay the entire amount if company agrees to remove all negative information from all credit reporting agencies permanently.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (NE)

I opened a new CC with USbank in order to do a balance transfer to pay off a higher rate loan. I conference called USbank and XXXX XXXX in on a call together so USbank could get all the info they needed to send out a check to XX/XX/XXXX. A week later come to find out after having them on the phone together USbank still managed to get the company name wrong on the check. So, USbank put a stop pay on that check and issued a new one to XXXX. At that point XX/XX/XXXX charged me a {$10.00} fee for a NSF check. I called USB asking them to refund me the {$10.00} since it wasnt my fault nor was it XX/XX/XXXXXX/XX/XXXX fault this all happened. USbank refused, which is predatory, it was all USbanks fault not mine. At this point I want my fee back and I want back all the higher interest Ive had to pay daily now because of how much longer this has all taken. I repeat, all at the fault of USbank. A {$10.00} fee reimbursement plus roughly $ XXXX/day of interest on the existing loan that would have otherwise been paid off already had USbank not screwed up. I also want my balance transfer fee waived, due to the the amount of my time I have burnt up. Their customer service is deplorable, I dont know how this company is allowed to operate treating people this way over such a minimal amount, especially since ( once again ) it was all their error! Please help me and please look into this banks practices, this should not have ever gotten to this point. They record all their calls, ask them for the voice recordings you can hear exactly how this all happened for yourself. Thank you!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, I am writing to file my second CFPB complaint after a thorough review of my credit report revealed an erroneous late payment listed on XX/XX/XXXX. This late payment, attributed to the account XXXX with the account number XXXX, is entirely inaccurate. I can confirm that I have consistently made every payment on time, including the one for XX/XX/XXXX. 

As a consumer, I understand the critical role that consumer reporting agencies play and the importance of their responsibility to accurately report consumer information. It is disheartening to discover such an error on my credit report, particularly when it impacts my financial reputation. 

Therefore, I am formally requesting a thorough investigation into this matter. I urge you to provide proof of statements indicating that these payments were indeed late. If such proof can not be provided, I demand that the late payment entry be promptly removed from my credit report and that my payment history be updated to accurately reflect that all payments were made on time. 

I trust that you will give this matter the attention it deserves and take swift action to rectify the inaccurate reporting. I look forward to receiving confirmation of the investigation 's commencement and resolution within the stipulated timeframe. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC (WA)

Received misleading mailer, which looks like an official document, but is actually just an advertisement. The envelope specifically states " Response Required ''. The Ad itself states that there are changes and has an year on the top right, which makes it look like it came from the IRS or other government source.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX toward the end of the month, I invested about {$3000.00} in a crypto coin trading platform. I found it on XXXX and, although there was a picture of XXXX XXXX on the ad, I don't think he had anything to do with it. His photo was just used to encourage unknowing people like me. A person with one name, XXXX, handled my account. ( XXXX XXXX ) I would trade daily up to three or four times a day using information from supposedly from a XXXX XXXX. The advice seemed to be accurate and I seemed to make money on most trades. ( Only information on XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. ) XXXX encouraged me to invest more because I could see others were earning multiples of money I earned. Like a total fool I listened and kept increasing my amounts. She kept saying how it would benefit my family for generations. When I said I didn't have any more to invest, she told me to withdraw money from my stock brokerage accounts. Here is a list of money I did eventually send : XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} XXXX. {$40000.00} XX/XX/XXXX. {$10000.00} XXXX. {$100000.00}. To join a " XXXX XXXX '' for greater profits and less commission These were all send by Chase XXXX XXXX XXXX XXXXXXXX XXXX and then to XXXX XX/XX/XXXX. {$3000.00} XX/XX/XXXX. {$40000.00} XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} These amounts were send from Chase to Chase in Arizona and then to XXXX The last part sent was adding up to {$100000.00} was to get {>= $1,000,000} transferred from my XXXX wallet to my XXXX account so I could pay the rest of the commission on the funds in my XXXX account ( approximately {>= $1,000,000} in my Wallet there. 

XXXX led me through the withdrawal process. I copied step by step, and told screen shots of each step send to XXXX so she was sure it was handled correctly. She assured me the money ( {$960000.00} after fees from XXXX ) would be in my XXXX account. It never showed up. When I told her that, she told me it was hacked but I could get it back by the company 's technical department.. But I would have to pay a 10 % fee first. I refused. During the next group chat I pointed out that I could not get any of my money and others in the group said similar things. With that she closed the chat permanently. 

Although I refer to her as XXXX, I have not idea about the gender of the person who did this. I do think it is foreign since XXXX referred to different currencies than Dollars. 

I have to say that the XXXX crypto companies I dealt with are part of the problem. The money was transferred from Chase then to XXXX. From XXXX I was told to transfer the funds to XXXX XXXX. they in turn transferred to my XXXX wallet.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MD)

Hello, On XX/XX/XXXX, I went to a Local TD Bank Branch to withdraw money from their ATM. I was using a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX card that costs {$50.00} dollars. This card was swallowed by the ATM due to unknown technical issues. The Bank Branch that I was visiting had workers inside and I asked for their assistance, not only did they show complete disrespect, they also only gave me the number of the ATM service company which was no help as they told me only the Branch has any power when it comes to contacting the ATM Service. Now I am unable to withdraw money without paying an additional {$50.00} however I want my card back as there simply is nothing wrong with it.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (MO)

This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.