davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (PR)

Since, XX/XX/2014, I have have this loan that is a fraudulent account. I have called several times but I do no speak good enough XXXX. 
I have been denied credit. I am a victim of identity theft. I have never had this loan. I have no idea who took out this loan. 
I have filed several Police Report with no solution. I am desperate I have spent years without being approved for a lollipop.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XXXX XXXX XXXX I had multiple fraudulent charges charged to my checking account, one was for {$350.00}. The time of the charge was XXXX XXXX to XXXX in XXXX Arkansas, the second charge was for {$110.00} it was charged to XXXX at XXXX XXXX in XXXX Arkansas these charges posted to my account on XX/XX/, I was notified of these fraudulent charges by the XXXX XXXX XXXX  XXXX XXXX XXXX on XXXX XXXX XXXX  at XXXX XXXX they stated that there was going to be a temporary hold on this card, I contacted my bank and told them that I did not make the charges and that they were fraudulent and the bank voided the card, I have gone to the bank and spoken to the bank president to get the funds returned to my account that were fraudulently removed. I was told that it wasnt their responsibility, I was told that it could take up to 90 days to have the funds returned. I have called the bank several times, and stopped in twice to find out if they could give me any indication of when the funds would be returned and they told me it wasnt their responsibility, I need my money, returned as soon as possible as I am on XXXX and barely have enough money to cover my bills.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Back in XX/XX/XXXX per Ace Cash Express I took out a loan, I feel very confident that this loan was cleared, but they had a law office call me 4 times today XX/XX/XXXX harassing me and threatening me stating that Ace was suing me for default and failure to pay back the loan, stating that I was being sued for over {$4000.00} on a loan that was less than {$500.00}, I was financially in a very tight spot at that time and was not ever made aware that this was to happen. Please help as it has been over 2 years and they are now here it is XX/XX/XXXX and they are threatening me and would not identify themselves until I gave them personal information I feel very threatened and my privacy has been violated please help
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (AR)

I was notified by Juno Finance on XX/XX/XXXX that there would be a temporary disruption in banking services and have yet to receive any additional updates. Juno recommended to reach out to XXXX XXXX  XXXX  XXXX who is their banking provider. When I reached out to them they said that this service is actually run by XXXX XXXX who do not have any humans to help with support. It has been over two weeks and I have not been able to access the funds in my checking account.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-12
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. (AL)

I received my consumer report and noticed that I have several inquiries that I did not authorize. Credit Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I did not authorize the following inquiries and they must be removed immediately : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/ XXXX XXXX  XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (GA)

On the night of XXXX XXXX XXXX I attempted to open a brokerage account with Chase. The online process was halted stating I need a personal product to apply for a Chase brokerage account. At the moment, I only have a Chase business account. I applied for a Chase Personal Checking account with my credit reports frozen as usual. During the process it stated I need to unfreeze my reports. It stated I would need to provide my SSN for verification/identification. It stated that I would receive a SOFT pull on my credit report. Attached are XXXX screenshots showing this is as I stated. Instead, I received a hard inquiry to last XXXX years on my report. 

I called XXXX and they said " call Chase. '' I called the Chase number on the credit report, I was transferred to XXXX. 
The line was choppy so she gave me a direct number and I called again. 
Second agent ( lady ) asked how I obtained the direct number. She then transferred me to credit bureau rep.

The rep kept mentioning a credit card even though I said I don't have a Chase credit card and did not apply for one. He said, " Ok I'll transfer you to card services. '' I asked why when I don't have a card and he said, " That's where my system is telling me to transfer you. '' He transferred me to card services. Card services said they couldn't help because they only work with cards ( huge surprise ) so he transferred me to the credit bureau team again. By now I'm asking every rep who transfers to please make sure I'm going to the right place. 

Want to guess if I was in the right place? Well... I was then transferred to the regular Chase customer service by the credit bureau rep who promptly stated he couldn't help me. I explained the horror I've type thus far and like the XXXX previous reps he stated " no worries, I'll call a branch and speak to the manager directly to make sure you are in the right place and can be helped. I'll explain your situation then pass you off. 
He didn't. 

He blindly transferred me to the XXXX XXXX branch location where XXXX? was clueless as to why I was on the line. By then, I was as exhausted as you are reading this mess. 

XXXX said he would escalate ... maybe they'll get back in a few days, may next week, who knows. 

That leaves me here with the CFPB.I honestly feel like I missed another transfer. It was 30 plus minutes of torture.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (IL)

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence dated [ date of previous letter ], I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing the errors on my credit report with TransUnion for over a year. As of XX/XX/2023 they have blocked me from my own report. I tried weekly on XXXX XXXX XXXX  and was denied every time. I then called TransUnion, the said the escalated my complaint and I would be contacted, but I never was. This is illegal. They can not block me from my own report. Please advise.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Complaint Against : Citibank N.A. 

Citibank N.A Savings Acct # XXXX Regarding Citibank Legal Fee Charges : {$120.00} On XX/XX/2023 ( incident took place on XXXX XXXX ), I became aware that there had been two debts from my savings account. One in the amount of {$1400.00} and {$120.00}. 
I inquired into the reason for the two debts was due to a Earnings Withholding Order for Taxes from State of California XXXX XXXX XXXX ( FTB ) - issued on XXXX XXXX. 

Noting : Citibank had received the XXXX notice on XX/XX/2023 - and took action on XX/XX/2023 ; more than 90 days pasted.. Note : There was no legal authority in place for Citibank to take action - XXXX resending withholding order XXXX months prior to the date of XX/XX/2023. After contacting XXXX - XXXX contacted Citibank and on XX/XX/2023 the {$1400.00} was credited back my savings account - but ; not the {$120.00}. 

Citibank was negligent in not verifying with XXXX after more than 90 days pasted ( according to XXXX ) to verify legal authority. 

I have been unable to address the issue with Citibank- thus, reason for soliciting third party mediation to resolve refunding back of {$120.00} XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've listed information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-07-12
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I have brought to the attention of TransUnion. Unfortunately, to this date, I have not received a response from TransUnion. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
On XX/XX/XXXX, I contacted TransUnion to report the following incorrect information on my credit report. Despite my efforts, I have not received any communication or resolution from TransUnion. The details of the inaccurate information and the required corrections are outlined below : 1. Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance provided by TransUnion does not correspond to the lower amount that I remember. I request that TransUnion revises the past due information as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request TransUnion to mark this account as disputed, as I do not want my credit score to be further affected. 


2. Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


4. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request TransUnion to correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Chime Financial Inc (VA)

XXXX report shows a credit card account with chime-stride bank from XX/XX/2022. I never opened an account with chime and disputed it with transunion. There investigation show results- verified as accurate. When i called chime, they have no record of an account. I questioned transunion and they referred me to this website and have no answer for me. So in summary, XXXX claims i have a verified account with chime but chime has no record of an account in my name.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (PA)

I viewed my Credit report and there are Inquiries From Experian that are not mines. I filed an identity theft report because they were not authorized by me. There are inquiries from XXXX XXXX and XXXX XXXX XXXX that were not submitted by me. My only address should be the address that is submitted on my Identification. I have attached a copy of my state ID for identification and address validation. There should not be any other addresses on my credit report.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was locked out of my online account for two checking accounts with one debit card with the reasons stating Im a risk factor when I was returning there request of suspicion of activity Ive printed all emails and have tryed to understand the stamens and transfers and they refuse to explain or follow any laws and policys of banking laws in ca they kept my account open with no way of me having access till XX/XX/XXXX and I was locked out XX/XX/XXXX did not received any stamens till XXXX this year and all my disputed along with police report have been ignored and Im getting emails about accounts being opened and my card. Being used on a closed account. Please help me
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PR)

XXXX double cash ending XXXX and XXXX anywhere ending XXXX I am not satisfied with the excuses that they give me to reduce my limits on the above cards because none were at the limit or overdraft so I request an arrangement in this situation otherwise I will write wherever necessary this is an abusive, misleading, unsatisfied practice entirely from XXXX bank. this was my person an unjust act and a totally abusive practice. 

XXXX has an unfair, misleading, abusive and discriminatory conduct the level of my line on these cards were low never abuse to take them to the limit and of course that my score is low if this entity treats in an unfair way the people we pay well if MOROSITY and NEVER to the limit of credit. WHAT XXXX IS CONCERNED WITH IS TO BE PENDING ON YOUR ACCOUNTS, IN ADDITION I DID NOT REQUEST ANY INCREASE TO VERIFY MY SCORE IS NOT AUTHORIZED AND POINT. THE OTHER ACCOUNTS I HAVE HAVE NOTHING TO DO WITH XXXX AND IT WAS ALSO FOR A XXXX TREATMENT AND THESE OTHER ENTITIES THANK THAT I AM A MEMBER AND YOU WHO HAVE NOTHING TO SEE TAKE INAPPROPRIATE ACTIONS WHICH HAVE CAUSED NO DAMAGE TO US A LAPTOP FOR MY SON 'S UNIVERSITY. THEY HAVE NOT BEEN FAIR OR TRANSPARENT TO BE ABLE TO ACCESS OTHER MARKETS. IN THIS CASE, THE FEDERAL LAWS WOULD HAVE TO INVESTIGATE THIS CASE PERCE BECAUSE XXXX IS BREACHING CERTAIN REGULATIONS SUCH AS REGULATION Z, I REMIND YOU THAT I WORK IN A XXXX   AND I KNOW MY RIGHTS OF LA AZ-19 NOR EVEN TIMES ONLY NO MORATORIUM I HAVE KEPT PAYING MORE THAN THE MINIMUM ON BOTH CARDS THEY ARE NOT TREATING ME A FAIR AMANERA IN XXXX.THIS MENTIONED IN YOUR LETTER IS TRULY FALSE IF A YEAR-OLD CUSTOMER AT YOUR INSTITUTION AND HAS BEEN TWO YEAR-OLD CUSTOMER IN THE CITY CASH DOUBLE DOUBLE YEARS. IT'S NOT THAT THEY'RE LAMENT IT DOESN'T USE ANYTHING THAT EXPRESSION IS THAT THEY RESOLVE IT IN A FAIR WAY FOR BOTH PARTIES.ALTHOUGH IT SHOULD BE TRANSPARENT TO YOU, I WILL ATTACH EVIDENCE OF MY XXXX AND XXXX TREATMENT THAT YOU DO NOT EVEN USE THESE CARDS FROM YOUR BANK
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc. (OH)

Dear XXXX. Relations Mgr., I ask that you provide validation for account history information COAST TO COAST FINANCIAL transmitted to any consumer reporting agencies for me, XXXX XXXX XXXX for the so-called account number # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from COAST TO COAST FINANCIAL to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. I appreciate any assistance you will provide.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VALLEY NATIONAL BANCORP (NJ)

Valley National Bank holds my mortgage and paid my real estate taxes XXXX weeks late. I found out when I received a delinquent notice from XXXX XXXX. 
I called XXXX tax assessor and was told the property taxes were due XX/XX/XXXX. Valley National Bank did not pay taxes until XX/XX/XXXX. Late fee of {$7.00} assessed & late payment noted. Valley National Bank paid late fee. 
I contacted Valley National Bank and was told they are in the process of getting a new system and that is why the taxes were paid late. 

I have been paying various mortgages since the XXXX 's. Never once has a bank paid property tax late. If all the mortgages held by Valley National Bank were paid XXXX weeks late, the bank had the use of that money during that time frame. Depending on how many mortgages are held in Valley National Bank & how many accounts had a XXXX delay in paying taxes out of escrow, Valley National Bank made a lot of extra cash. In essence the practice is " floating '' or " check kiting ''. 
A late fee of {$7.00} is minimal compared to the interest collected on the money held in escrow. 
In the past the monthly mortgage bill stated there is a late fee of {$32.00} if mortgage payment is not received prior to the XXXX of each month. That information is no longer included on current statements. 
Customer Service Representative named XXXX said there was no way of knowing what a the late fee charge is now unless it was calculated by someone in the Valley National Bank XXXX department. 
If the consumer must pay a late fee, the bank should have to pay a fee to the mortgagor for being delinquent and using the mortgagors money for XXXX weeks.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CONTRACT CALLERS INC (PA)

XXXX XXXX has made several mistakes with my account. 
-sending bills to the wrong address -sending bills to collections and giving the collection agency the wrong address -applying payment to the wrong account
Consumer complaint received 2023-10-26
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. (PA)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX