davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-02
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. (CA)

After several attempts to contact XXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all four credit reporting bureaus. The amounts from XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXX XXXX and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.
Consumer complaint received 2018-09-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX & XXXX credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX   XXXX XXXX challenge XXXX XXXX XXXX XXXX with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to Phoenix Financial Services. Phoenix entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Received letter from XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX, dated XX/XX/2024. Which myself and wife received indicated that they had a breach in their company computer system and our personal information ( identity ) problem was included, they say they done investigation, but why are they writing to us? My wife and I never had submitted any loan with them to the best of our knowledge ( POSSIBLE FRAUD ) within this company. 
Request that an investigation be completed on this company. Will forward letter if needed. 

THANK YOU XXXX ( RETIRED XXXX ) XXXX XXXX XXXX & ( XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (CO)

I had been having a text conversation with a wrong number text message for over a month when she convinced me to set up a store on www.rakitenshoping.com. I had to put in {$3000.00} dollars to set up a store, to cover costs of purchases. I had a large " sale '' come and needed a {$30000.00} wire transfer to cover it. 
I wired the {$30000.00} to East West Bank in XXXX California on XX/XX/XXXX. 
When I covered this purchase and immediately received another purchase that required over {$100000.00}, and the purchaser was uninterested in my issues with needing to get a loan for over {$100000.00} and XXXX said I had to cover the purchase, or they would file a complaint against me with the FTC. I am over XXXX and had a XXXX XXXX XXXX during this period. I became suspicious and contacted several law enforcement agencies. including the FBI and the FTC. The XXXX  suggested that I contact the Colorado Bureau of Investigation and I did. The CBI recovered the original {$3000.00} wire transfer, and then contacted East West Bank and found out there was at least some of the money in the account I had wired money to. 
On XX/XX/XXXX XXXX XXXX XXXX sent East West Bank a App. for seizure warrant and a seizure warrant. 
Over a month later on XX/XX/XXXX XXXX XXXX XXXX received a written response about the need to domesticate in California. 
He was also informed that the funds were transferred overseas. 
East West Bant was informed that the money in the account was fraudulently acquired. East West Bank took over a month to respond and allowed the money to be transferred out of the county.
Consumer complaint received 2024-03-21
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. (MD)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough.

Federal : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have XXXX or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB
Consumer complaint received 2018-09-02
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: Experian Information Solutions Inc. (SC)

I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XXXX, XXXX, XXXX and XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, XXXX and Experian ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 XXXX and XXXX XXXX transferred ( ACH ) {$62000.00} from our Savings account ( XXXX ) at XXXX  XXXX XXXX to Wells Fargo XXXX XXXX XXXX XXXX XXXX as a final payment for a new XXXX. Order and confirmation number XXXX. The money was never received by XXXX and Wells Fargo has not responded to the recall of the funds. Recall # XXXX. I have spent hours on the phone with XXXX  XXXX XXXX with no help ( we have been customers for 39yrs )
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2018 {$660.00} I disputed a charge that I did not receive sevices for from XXXX and Bank oF American from XXXX and the charges has reappeared.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HONOR FINANCE, LLC (IN)

I had a car loan with honor finance they came and repossessed the car last year in XXXX however it reflects on my credit report that honor finance repossessed the car in XXXX of this year I have called honor finance and I have called the credit bureaus to dispute the item and have it updated correctly and have not gotten anywhere I even ask the credit beauru to ask honor finance to furnish the paperwork showing when they repossessed the car and they will not and the credit agency will not update my credit report to the accurate information that they repossessed the car last year in XXXX as a result when I have applied for new car loans I have been denied because this repossession Isvshowing they just repossessed the car in XXXX of this year this have made my credit score drop tremendously because I keep reapplying for car loans also it have severely tarnished my credit report and financial image to the point no one wants to give me a car because honor finance and the credit beaurus has been falsely and knowingly putting this inaccurate information on my credit report even after i have made many attempts to correct the report and yet even the credit beaurus have updated my report as accurate when its not accurate this in my eyes is a violation of my consumer credit reporting rights and Im asking that the Cfpb step in and render the appropriate action
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

I am writing to file a formal complaint against CashApp regarding their negligent handling of my fraud claim. Despite my repeated attempts to address the unauthorized activity on my CashApp card, I have been met with unprofessionalism and a lack of response. 

On XX/XX/2023, my debit card number was stolen and used to make an unauthorized order through XXXX at XXXX XXXX 's in XXXX, AL. I immediately reported this incident to CashApp, suspecting a security breach at XXXX XXXX 's mobile system. Multiple customers, including myself, have reported unauthorized charges from XXXX XXXX 's, as confirmed by the store managers. 

Despite providing CashApp with evidence, such as the receipt and delivery location, they have failed to provide a clear explanation or resolve my claim. My attempts to contact their customer support team have resulted in empty promises and unfulfilled assurances. This prolonged lack of response has left me feeling ignored and helpless. 

I kindly request your assistance in addressing this matter and ensuring that CashApp takes appropriate action to investigate and resolve my fraud claim. I believe that their handling of this incident has been negligent and unprofessional, and as a loyal customer, I expected better treatment and a prompt resolution. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have had this car loan since XX/XX/2020 and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA. 
They do not care to be legally complaint is a FACT.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Social Finance, Inc. (CA)

I had a checking and investing account with Sofi, and been using it for months with no problem and there was always positive balance abd on average XXXX balance on it. There was a check that was deposited by mistake and they placed the account on restriction and cut my access to the entire money on the account even after I contacted them and notify them that the check was deposited by mistake and they can hold the amount for the check but I need to access my funds since at the time was my only account and the only source of money. They cause severe damages and issues by placing a restriction on the account. I contacted them many times and kept asking them to give me access to the funds i have on the account. They kept telling me they are investigating and i have to wait. After one week I just call them and asked them if they can just close the account and just give me the money i have on the account because i was in financial hardship. They even refused to closer the account and also said they are not going to give me my funds because of a wrong check that actually never deposited into account and they refused to deposit it since the beginning and now for no reason they stealing my money. I have over $ XXXX total on both checking and investing account and need my money very urgently and I been facing a lot of issues because not having any other source of money and I need your help to get my money.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit reporting act, this creditor, Navy Federal Credit Union has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit car account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-01
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. (TX)

My Freedom Chase card was closed without my consent, which harmed my credit score greatly. I tried to call them back to re-open the account and they said no. 

Once they decided to close it there was nothing I could do because they gave me no other options. 

This card was my oldest card and now it appears that I practically have no credit history, which is false. 

I just really want this card reopened because I plan to purchase a home but with my current FICO score it is going to be more difficult for me. 

I have attached a statement of the credit card that I am referring to below. 

Thanks, XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

We have received multiple calls to voicemail ( about seven so far in a span of about three minutes ) from Synchrony Bank regarding a debt collection. We do not now, nor have we ever, done any business with Synchrony Bank. I've blocked their number ( XXXX ) XXXX using my phone service but am concerned that they will harass others using similar tactics.
Consumer complaint received 2023-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I was given five prepaid cards as a gift. They are for {$500.00} each. They were purchased at XXXX, and the cards say they are from Vanilla. I have receipts from XXXX for each of them. I tried to activate two of them at XXXX, as directed on the card. I got a couple of different error messages, that the system was down, or there was a problem with my card. I then called the company. I went through each of the five cards with the representative. He told me two work ( I have not tried them yet ) and the other three are invalid or have been flagged for fraud. He took my address, phone number, email address, but could not explain why he needed that information. ( I did not purchase the cards, they were a gift. ). He then said I had to submit a complaint to an email address - XXXX. I have to include photos of the card, receipt, packaging, which seems OK, but also my drivers license, which concerns me. Again, the representative could not explain how they will research the matter, or why they need my personal information to do so, including a photo of my drivers license. 
The cards were purchased for me on XX/XX/XXXX, and I have admittedly been slow to activate them. But they dont expire until XXXX, so this should not be a problem. 
I will initiate the dispute process, but will not send them a photo of my drivers license. I will write back if they insist on this, or if I am unable to access the funds. In the meantime, flagging this incident in case many others are having problem accessing funds that this company is holding via prepaid card purchases.
Consumer complaint received 2023-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (FL)

The creditor offered an offer for an extension of credit as a purchase money loan. I accepted the counteroffer in the amount of XXXX. In return for the credit in the amount of XXXX I sold Navy Federal Credit Union a Note for XXXX for valuable consideration. 
The note was payable to the order of Navy Federal Credit Union ( creditor ), signed by the ( borrower ) and dated XX/XX/2023 on its face in accordance with the Bill of Exchange Act of 1882. 
The creditor has continued to request other acts beyond the payment of the loan which violates simple contract law. They have now caused commercial harm by presenting negative and derogatory items to companies even while I complied with the payment of monthly bills. 
This is the second complaint filed for remedy. The last response was not accepted by the borrower and this is the second notice, giving the creditor an opportunity to cure.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.
Consumer complaint received 2024-03-21
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX XXXX  I received a Chase business card in the mail and a copy of a cancelled check for over {$43000.00}. I automatically contacted the bank because I don't bank or own any business accounts with Chase. Just to be clear, I don't have any business banking accounts. The bank refused to close the accounts until I provided proof of my identity which included social security number, date of birth, full name, address, and the name of my employer. I found this interesting because this information was not provided when someone opened the accounts. 

I explained what was going on and ask for further information and was told to mail in a copy of my ss card, and photo ID to a XXXX XXXX XXXX. From XXXX XXXX XXXX until XXXX XXXX XXXX there has been XXXX fradulent accounts opened with Chase bank under my name. There has been no bank inquiries on none of my credit reports for business accounts. One of the accounts was opened in a brach in which they refuse to provide the information Chase refuses to provide any evidence for me to file a police report until after they have completed their investigation. After speaking with branch employee in person, I was informed this has been a frequent occurrence with Chase online accounts due to lack of security measures. I will be seeking assistance of an attorney, due to the negligence of Chase bank and the number of accounts the person was able to open after flagging the initial account.