davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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. (TX)

XXXX  XXXX XXXX XXXX, please send me proof of permissible permission used for fraudulent loan dated XXXX, loan # XXXX to myself and Transunion and XXXX. You have refused for 4 years to comply. I will stop complaining when you comply and send copy of credit report used together with the permissible permission. I am including Transunion and XXXX.
Consumer complaint received 2021-01-12
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. (TX)

My Identity was stolen and accounts and vehicles were purchased. The vehicle was purchase in 2017 for approximately {$85000.00}. XXXX I contacted the credit bureaus and Credit Union concerning Fraud they refuse to remove.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

Rocket Mortgage lured me in with low-interest promises, then delayed the closing multiple times for a number duplicate requests and calls for documentation they already had. Then the mortgage broker failed to return my calls and correspondence about their rate-lock guarantee. As a XXXXXXXX XXXX citizen who is recovering from a XXXX, this business took advantage of me. Their deceptive marketing practices are well-known by now, why isnt anything being done? 
This company is damaging my quality of life, taking all of my financial information yet never giving enough information. They have me share information and dont even give a mortgage account so they can change the terms as they desire.
Consumer complaint received 2023-07-19
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. (TX)

Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in Equifax, XXXX XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

Equifax credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Note : I was able to file dispute successfully online on Equifax XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. XXXX  Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

A {$1000.00} payment was made from my PayPal account to someone I did not know. I don't know how this happened. 

I called PayPal to let them know this was unauthorized, and they said they could not prove it was unauthorized because they could not show any unusual login activity. They apparently determine " usual '' login activity based on repeated logins, so all they really determined was that the hackers waited a while before executing the transaction.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Ever since I started banking with BMO Bank last year, they have always put a hold on my deposits without ever notifying me, I only find out about the holds when I call in, and they never give a reasonable reason for the holds, and the deposits always clear with no problems after their XXXX business days hold or XXXX weeks hold not including weekends. Most recent incident was today XX/XX/24 I deposited at a branch and the BMO app messaged me saying the check was credit to my available balance, then I proceeded to pay my sub XXXX and received a error message and email telling me to call in to BMO to remove error and restriction. As I call in and explained the associate kept cutting me of and putting me on hold, then she says I don't understand what the situation is, then I say she's the ones that doesn't understand because she keeps cutting me off. I asked her why is it I called in to remove error and restriction on XXXX because of BMO email but she is telling me my deposit just got put on hold until XX/XX/24 and why was there a message in the BMO app saying I was credited and my available balance is XXXX something, she say she doesn't have an answer and will transfer me to a supervisor but never did and XXXX ded annoyed because I would not except her unreasonable answer for the hold and notices recieved via BMO mobile app. Mind you this deposit is from dame issuer and they have many of the same issuer in deposit history that cleared without a problem. She got annoyed that I didn't understand the situation and I told her she would understand my situation and if she stopped cutting me off everytime I tried to explain and I asked them to look at the record of how many times I called amd messaged about this issues and why it keeps happening, she kept going on about stuff that I did not ask then hung up on me when I say I hope BMO reviews this call recording to better train staff on not cutting clients off and fully understanding the clients problems to better solve. No transfer to supervisor no clear answers, and hung up.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX XXXXXXXX  four unauthorized wire transfer withdrawals totaling {$18000.00} were completed from my checking account. On the evening of XX/XX/XXXX  when it was discovered that the account balance was negative, I notified Chase of the account breach and a fraud claim was filed ( claim # XXXX and XXXX XXXXXXXX ). All Chase accounts ( checking, savings, credit cards ) were put on restricted status. A police report was filed on XX/XX/ with the city of XXXX Police department. Preceding the wire transfers, a person claiming to be a Chase Fraud specialist contacted me regarding suspicious account activity. This person knew information about recent transactions and claimed that pending high value transactions had been flagged and wanted to confirm whether they were legitimate or fraudulent. I confirmed that these transactions were not authorized and should be blocked. After several similar calls with this person over a few days, he convinced me to install an application on my phone that would prevent further fraudulent transactions. I now believe the application was a remote desktop program. At no time before the unauthorized wire transfers did I believe this app would allow access to my Chase account, nor did I authorize access to the account. I have been a JPMorgan Chase customer for XXXX years. At no time prior to this incident have I had online banking access nor have I ever initiated wire transfers. My average monthly withdrawal amount from this account has always been several XXXX dollars, not XXXX XXXX XXXX Chase 's fraud detection system should have flagged these transactions because they were extreme anomalies in my long banking history. Chase erroneously facilitated the magnitude of this fraud by applying Overdraft Protection services to transfer {$12000.00} of funds from my savings account to the checking account to cover the wire transfers. Per Chase 's website, Overdraft Protection only covers " checks, automatic payments, and recurring payments ''. On XX/XX/ a sworn affidavit for " Unauthorized Signature or Forged Item Declaration '' was provided to Chase. On XX/XX/ a claim denial was received from Chase, stating that I did not take appropriate steps to protect the account from unauthorized use. On XX/XX/ we requested a detailed explanation for the claim denial and were told that no such report could be provided. Chase has not provided any proof that I created or authorized these wires. Chase failed to protect my account using reasonable account history based fraud detection applications. Chase also failed to secure my savings account by wrongly transferring funds to the checking account via Overdraft Protection.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P. (TX)

I contacted XXXX and Resurgent Capital service L.P. to let them know that my identity has been stolen and i filed a police report. They are still holding me accountable for the charges and still reporting to my credit report. This is really affecting my credit score. Please have them to stop with the reporting. I file a police report 2 years ago and let XXXX know but they said that the report must specifically state the Creditor names. 
So I have a new police report with names as well. 
RESURGENT CAPITAL SERVICES L.P. for XXXX XXXXXXXX Account XXXXXXXX XXXX for XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account is being ran as a charge off. I have never received the 1099 cancelation of debt form and because of this the account isnt accurate and must be removed immediately
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (IN)

I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.
Consumer complaint received 2023-03-03
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. (NC)

XXXX XXXX  and XXXX XXXXXXXX @ XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX XXXX NC XXXX. 

On XX/XX/XXXX XXXX XXXX is saying I created an account for them to pay my rent mind you on same day this account fraudulently I opened by someone working at front leasing office desk I personally cancelled any and all transaction corespondents with XXXX. XXXX  XXXX takes there monthly amount out of my XXXX XXXX XXXXXXXX checking directly on XXXX of the month. XXXX  is claiming they have a signed contract by me which is impossible because I am not the lease holder on unit XXXX I just pay the rent so they could not use me to be held responsible for any monies owed to them. I pay directly to the XXXX and only the XXXX. I have direct proof XXXX  not only ended the closed and settled this account only to reopen it months later. If XXXX  XXXX  paid the XXXX a pro rated portion of rent my I XXXX XXXX pay the XXXX every month directly its XXXX  and XXXX job to work out what ever logistics to ensure there is no debt. Meanwhile XXXX  keeps reporting to TransUnion I am in default especially after admitting file was settled on XX/XX/XXXX and wrote a response to my first inquiry they do not know why the XXXX will not refund any money that may be owed. If anything it then should default to the two rentees on the lease XXXX XXXX and XXXX XXXX not me XXXX XXXX I dont even know how XXXX  obtained my information. Either way the documents submitted will show XXXX  had already admitted this was settled then admit XXXX will not cooperate! So which is it? Facts are I pay XXXX directly monthly through my Debit Card and I do not have anything set up with anything with XXXX.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MA)

On XX/XX/XXXX, I purchased XXXX XXXX XXXXXXXX XXXX  shirts for {$230.00} at Macy 's in XXXX, MA. The computer malfunctioned during the transaction and they moved me to another computer and checked me out. I used {$10.00} Macy 's money on the final transaction bringing the price to {$220.00}. When I got my credit card statement I saw {$450.00} on it. I disputed the transaction but they denied it because the amounts were not the same, despite me explaining the reason for the difference and the proof being in the receipts. They also confirmed on the initial phone call that the bar codes matched exactly. The disputes department did not do their due diligence when researching this issue and I am stuck with a {$230.00} bill for a product I didn't buy.
Consumer complaint received 2023-02-15
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. (GA)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The TransUnion Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

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 

Dear Sit/Madam I am a XXXX XXXX  resident in XXXX and XXXX with XXXX dependent son. My state pension was stopped on XX/XX/XXXX, and the XXXX refuses to come up with a solution to rectify the problem. Yes. I do understand their argument that they used Citibank for their transaction services, and that Citibank now refuse to service cash transactions to XXXX, including those to XXXX XXXX residents. 

Please understand the seriousness of this situation, as I am sure the intent of sanctions is not to starve ordinary common people from surviving with an income. Also, please understand that as a resident I signed an agreement I will not be in debt and will pay taxes to the XXXX  government, I can no longer do that, with the serious problem of where the next loaf of bread will come from. When I get deported, can I bring my wife and son? not that I want to. I would sooner stay here and receive this. 

There is a solution, I do have a bank that is not sanctioned and will accept international cash transactions in XXXX XXXX and dollar, ( I have those separate account numbers ) and that is XXXXXXXX XXXX  ( XXXX ) registered in XXXX. I have informed the XXXX XXXX, but they are ignoring this solution to directly pay My pension to XXXX XXXX. 

Could I work? Yes, and my wife and I did as freelancers. But unfortunately the agency contacts we had cant pay, due to sanctions. We are owed money but dont know if and when we will be paid. The work we did depended on payments from international customers, so freelance agents are also suffering due to sanctions. I have contacted the XXXX XXXX in XXXX, and the XXXX XXXX XXXXXXXX and they were no help at all. 

Please understand the seriousness of this situation, nobody can survive without income and the banking ability to receive cash. 
Your faithfully XXXX XXXX XXXX Contacts The XXXX  Service 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
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ARVEST BANK GROUP, INC. (OK)

I had ordered from a company called XXXX feet. I had XXXX transactions that equal {$180.00}! It takes a while for us to get the product so we had to wait a couple months. The owner of the company stopped sending refunds for the product and did not give us the merchandise! She has flat said she will make sure we dont! I have sent emails to Arvest bank of me not getting a refund or product and whats going on and they will not give me my money back because they said its passed 120 days old! I waited because she said thats when the product would be in and it never came! She scammed people out of thousands of dollars! XXXX should be getting my money back!
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE I.C. SYSTEM, INC Original creditor : XXXX Balance details 0 % paid off Balance {$1600.00} Balance updated XX/XX/2023 Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.