davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (MN)

Marcus Bank ( Goldman Sachs ) sent me an email dated XX/XX/year> promoting a special promotional CD term ( XXXX ) at 5.40 % APY. According to the email, the offer expires on XX/XX/year>. Nowhere in the email does it state that the applicable rate is 5.40 % APY or the then best available rate - i.e., the 5.40 % APY rate should be honored through XX/XX/year> as expressly provided for in the email. 

I have had XXXX CDs mature recently - one on XX/XX/year> and the other on XX/XX/year> - where I attempted to obtain this special promotional CD term and rate, however, I was denied the 5.40 % APY rate in both instances by Marcus representatives. I called Marcus to request the 5.40 % rate on the XXXX maturing CDs on XX/XX/year>. The first representative ( XXXX ) would not honor the 5.40 % rate so I elevated the matter to her supervisor ( XXXX ). The supervisor would not honor the rate either so I requested that the matter be elevated higher. I was advised by XXXX that someone would get back to me within XXXX business days. I received a call back from XXXX XXXX XXXX ) on XX/XX/year> and she also would not honor the 5.40 % APY rate. Once again I requested that the matter be elevated, but I never heard back from XXXX. 

As a result, I received a 5.15 % APY rate ( XXXX  months ) on the CD maturing on XX/XX/year> and a 5.00 % APY rate ( XXXX  months ) on the CD maturing on XX/XX/year>. I respectfully request that the CFPB require Marcus Bank honor its promotional XXXX CD rate of 5.40 % APY as promoted in its unsolicited email dated XX/XX/year>.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC (NM)

XXXX XXXX was unwillingly chosen for me by Vanderbilt Mortgage. I was not involved with choosing my coverages with this company. Through my own personal investigation I have deducted that this company is willfully and maliciously over insuring customers without the customers knowledge with the help of Vanderbilt Mortgage. Any attempt by customers to lower such things as personal property insurance level are rejected by XXXX XXXX with the blessing of Vanderbilt Mortgage. Any attempts by the customer to reach out to the underwriter of the policy XXXX  and file a complaint are ignored by XXXX. XXXX XXXX, XXXX and Vanderbilt Mortgage have banded together in an attempt to overcharge customers by pushing unauthorized insurance products on unknowing customers. When asked by the customer to change coverages the customer is then mislead to believing that the coverage has been changed, but refused evidence of the change. Notice of refunds are also information that is unknown to the customer. I will be reaching out to the appropriate government agencies to report these individual companies and address the situation that I have personally experienced.
Consumer complaint received 2023-10-29
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: BARCLAYS BANK DELAWARE (NJ)

I have several inquiries on my report from companies, I didnt authorize. 

Barcalays Bank Delaware on XX/XX/XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Dear UNITED REVENUE, The collection XXXX that is currently being reported to XXXX needs to be removed immediately upon receiving this letter. Per the FCRA, as a federally protected consumer, I am now exercising my consumer option to opt out of the reporting of my consumer nonpublic personal information that is currently being reported by UNITED REVENUE. The Original creditor XXXXXXXX XXXX  XXXX failed to provide clear and conspicuous disclosures that complies with 15 USC 6803 of my consumer option of opting out of affiliated third parties disclosing my consumer nonpublic personal information to non-affiliated third parties. I, the consumer, am opting out of any and all authorization, I may have unintentionally given TXXXX XXXX XXXX and UNITED REVENUE of written, unwritten, verbal and nonverbal per 15 USC 6802 ( a ). Upon receiving this letter, you agree to remove the collection XXXX immediately per my request as well as discontinue any and all reporting of my nonpublic personal information to any and all nonaffiliated third parties you come in contact with from herein and therefore indefinitely.
Consumer complaint received 2023-06-05
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)

The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!
Consumer complaint received 2024-04-02
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: Nelnet, Inc. (LA)

My credit report with XXXX shows that I have student loan balances with Nelnet of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from Nelnet and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while XXXX and XXXX continue to show the balance with Nelnet. I have disputed these charges multiple times and each time my credit score seems to go lower.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I received a Citibank Debit Card in the mail on XX/XX/24 that is in my maiden name, they sent me a pin and username letter separately as well. My son received an email also from Citibank stating thanks for setting up your account. Also, an email confirming that the email on the account was changed to some strange email that I don't know about. The last XXXX digits of card is XXXX. Then I received another letter from Citibank in a black and white photocopied paper stating I need to call them for some fraud activity on my account which was a completely different card number ending in XXXX also in my maiden name but to a different mailing address than the other. I know this is fraud but I am afraid to contact the bank and add any additional fraud. I will reach out to the fraud department as well by email.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (PA)

I was receiving emails not addressed to myself, but addressed to a XXXX XXXX XXXX from Experian thanks for creating an account, your card has declined, updates to your account, updates to your personal info, account has been reported to collections, etc. I thought they were phishing emails so I ignored them, but I flagged them. When I realized I had received a whopping 32 emails for XXXX in a 4 month period, I attempted to create an account with Experian but it said my email was already in use. That confirms it wasnt phishing and that someone used my email. I called Experian. It took an obscene amount of tries and options to speak with a human there. Finally, I spoke with a XXXX who said a XXXX XXXX XXXX was using my email for his account, but supposedly was using nothing else of mine. XXXX couldnt tell me how this happened. He said hed open a case to have my email removed from XXXX account. Im now awaiting further updates and instructions. 
What troubles me most is that this person was able to use my email for this account and it wasnt verified!!! Normally you receive an email from said company containing a link to finish creating your account so they know it is your email. So how did Experian confirm this email??? Something isnt right here at all. Everything needs verified especially with a company such as this! 
They wouldnt immediately freeze XXXX access to his account or anything. All XXXX could do was escalate the complaint. I want to KNOW that this will not and can not happen again or to anyone else. Emails must be verified. 

I attached screenshots of different emails below.
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (NV)

Dear Credit Bureau, I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Account name : XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements. 


Sincerely.
Consumer complaint received 2024-05-25
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: Self Financial Inc. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information. Self has blemished my credit standing due their negligence and refusal to execute a thorough investigation. This fraudulent account is being reporting numerous times on my credit reports. Their company is negatively affecting my credit reports. I want damages for the negligence.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

First I bank with Wells Fargo. As I tell the story all I hear is horrible things about Wells Fargo. First someone stole my information and tried to use my card and Wells Fargo called me to ask if it was me. It was not. They sent out a new card. A week later I received another call from Wells Fargo, or what I thought was Wells Fargo. I was on the phone with them and some things didn't feel right, but they kept send the verification texts with the codes on them, so I thought it was them. They said they were going to send out a new card. On XX/XX/year> I got another call from Wells Fargo asking if I am making purchases in New York. Ive never been to New York, I was on the XXXX story of a new job in XXXX, California. The people stole my info, got money out of XXXX at Wells Fargo and bought shoes at a store in New York. Im watching the transactions happen while I was on the building. As I talked to the Wells Fargo staff, I didn't have my card because they said it was not working. In all they stole XXXX from my checking account. A week later I received a letter saying my claim was denied to get my money back, and what's worse is that these crooks had a debt card sent to there apartment in New York. I did my research and the card number they used I never received, because it was sent to New York. I called the Fraud center and told them that I never received that card. That I never been to New York and that was not me making those purchases. Also why did Wells Fargo send a card to a state I have never been to nor never lived at. Why would they not call me again and ask if I wanted a card sent to New York. They said that they would do a call review. They would let me know in XXXX hours. I call back a week later and they said that they have not reviewed it and that it would take 10 days. I called back a week later and they said that the claim was still denied, that they could not prove it was not me making those purchases. I asked to talk to the manager and they seemed convinced that it was me. I asked is legal action my next step and they said yes. My friend at work told me about cfpb. We aren't rich, so that XXXX was a big hit. I am just hoping to get this resolved and get my money back.
Consumer complaint received 2023-06-06
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WV)

I have banked with Chase Bank in XXXX Ohio for over 8 years and in those XXXX years I have continuously had to dispute charges that XXXX out of XXXX times after they did a thirty day investigation they found out that I was in the right and refunded my money along with their {$34.00} or {$37.00} overdraft fees. Last month I like usual disputed some charges that I didn't make and they refunded them back into my account..a few days after that I attempted to use my debit card and it wouldn't go through and I got an email from them saying that my account was frozen due to suspected fraudulent activity or something like that and for me to just call them to get it unfroze ... I do this and they end up telling me they can't unfreeze it because they're closing it and I asked them why!! They refused to give me an answer and I'm severely upset due to the fact that I live off social security XXXX for I'm XXXX XXXX XXXX XXXX XXXX and they have caused me severe financial hardships! Such as when I called social security XXXX to see about my funds being directly deposited into a new checking account at another bank I'm told it will take over XXXX weeks or longer to do that and like I said XXXX XXXX XXXX XXXX XXXX XXXX XXXX and usually get paid on the XXXX of every month and now I'm going to have to wait XXXX weeks or longer to receive my money meaning I can't pay my bills, my rent or even buy food! Chase Bank has been proven to be greedy and also unlawful whereas I know they have been sued over overdraft procedures where they constantly charged overdraft fees over and over and that was considered to be unlawful and I had almost every month such charges but it wasn't included in the lawsuit because the company lost my paperwork or something which figures! I have opened another account but it will take one to two months to have my social security XXXX check deposited into that new account! Chase also said that I would be getting the remaining balance within a few days but it's been over 2 and 1/2 to 3 weeks and I still haven't got my check with my remaining balance ... me and my cats are going hungry and I'm about to be evicted from my home... I've told them this and they just don't care for all the seem to care about is money! Throughout the XXXX  years I've been banking with them they have pocketed close to $ XXXX in overdraft fees and I am appalled that they are permitted to stay opened... especially after all the fraudulent and illegal acts they have done! Please help me out here on explaining what if anything I can do. Thanks so much! Also, please give me until tomorrow to gather up the paperwork I said I still have which prices how they charged illegally for overdraft fees etc ..for ATM I am unable to wear my prosthesis and will need help from someone to find them..I use to be able to just aquire them online but they've blocked my from doing that also! Thanks again!
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

JPMCB AUTO FINANCE reported an inquiry on my consumer report without fully disclosing to me upon our initial conversation that such information will be reported to a third party. They also failed to provide me with the opportunity to opt out of sharing my information.
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (OH)

I have contacted the original hospital XXXX XXXX and my insurance company for verification or validation since neither company is following due process and XXXX XXXX has reported that I have a {$0.00} balance due for time of service and my insurance company XXXX has stated that they have a contractual agreement with the original debtor for payment of {$170.00} which was paid by insurance thus leaving no balance owed. A debt in the amount of {$800.00} was placed on my credit by Wakefield and Associates who refused to remove the debt from my XXXX due to non payment by the debtor Qualified Emergency XXXX to them when no debt is valid on my part. They are in violation of my rights as a consumer and could face legal action if debt is not removed immediately.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late. 

XXXX OF XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX 30 to 60 days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX, XXXX XXXX XXXX 30 XXXX 60 days XX/XX/XXXX XX/XX/XXXX days I was never late.