davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB XXXX XXXX
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (GA)

Multiple calls were made to my personal phone number DAILY from the same company with different numbers. This continues to happen even after a call on XX/XX/2022 ( I believe ) to this company to desist and that we would sign over our vehicle back to them. 

I notified the company around XXXX XXXX, 2022 that my income had GREATLY decreased and that we would do our best to pay. They notified me that I could not lower my payments and told me to pay and threatened repossession and that they would report my delinquent activity to the credit bureau. My family couldnt afford to eat working on a XXXX budget with an auto loan that cost {$500.00} per month and would sometimes throw my account way more in the negative.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo sent a notice that my account was over drafted. I sent funds from another checking account and transaction is still pending. Also charged {$35.00} for 3 transactions so the funds transferred over went to fees. Also have a notice from Wells Fargo of an extra day grace period. Per that notie Wells Fargo allowed another day to put funds into account. They did not adhere to this notice and assigned fees prematurely.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I contacted MOHELA on XX/XX/XXXX to request a refund of several payments I had made during the pandemic pause. Some of the payments were made through XXXX XXXX because the loans had been transferred to MOHELA in XX/XX/XXXX. MOHELA stated they will submit the request to refund these payments. I received a refund on XX/XX/XXXX for the payments I had made to MOHELA but not the payments I had made to XXXX XXXX. I contacted MOHELA again on XX/XX/XXXX. I waited on hold for over 3 hours and was then disconnected before I could speak with a representative. I then sent MOHELA a message via the website on XX/XX/XXXX and as of XX/XX/XXXX still have not received a response. I called MOHELA again on XX/XX/XXXX. The representative let me know that MOHELA had contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX but had not heard back so I need to keep waiting. I called MOHELA yet again on XX/XX/XXXX as it had been over 8 weeks since my refund request and spoke with a representative that could not answer my basic questions. 
She told me it could be up to 60 business days now or potentially longer for the payments to be refunded. When I asked her to send another request to XXXX XXXX she told me she would but then hung up on me and did not attempt to call me back.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One is involved in fraudulent account tampering. Every month I get an alert from XXXX but I could never open up the account not get access. I believe it is someone at HQ is responsible for fraudulent transactions
Consumer complaint received 2023-09-27
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 'S XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted the company regarding the credit line increase however adverse action was taken against me. I requested that the company provided the reasons why this adverse action was taken against me, the company did not respond. I submitted a complaint regarding the adverse action to which the company responded that more time is needed. The company continues to take adverse action against for I am not able to use my card to make purchases. Additionally, the company did Not notify me of this action.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attached is an identity Theft Report with the following fraudulent inquiries listed below. 

TransUnion Fraudulent Inquiries XXXX XX/XX/2023
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC (PA)

I obtained financing from Denefits XXXX I made payments but then became injured and ill and fell behind. I arranged a settlement agreement with them and have so far made XXXX payments. Despite agreeing to a settlement this company continues to post inaccurate balance info and every month states I am getting further and further behind indicating no payment in last XXXX  days. I contacted the rep from the settlement department and he says they dont update it till I complete the settlement. First off that is incorrect because my credit report for the months since I started the settlement have shown increases in my balance ( and do not match what the rep tells me I actually owe ) and increases in days late - yet I am on time with my settlement for months now. Secondly just because I have a settlement they should still be reporting on my report accurately- I dont care if they note the revised balance as a settlement- I am current with our current agreement. They have promised to remove it once it is paid but they should be accurately reporting in the meantime
Consumer complaint received 2020-12-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Deceased owner of the account XXXX XXXX XXXX XXXX in n XXXX. His deceased I'd or ss number is XXXX XXXX XXXX. He is also a business owner of XXXX  XXXX XXXX and XXXX XXXX XXXX .he is the owner of these financial institution. Ok .not a shareholder, but the ein irs employer tax payer too the business, in this text. I am write regions Bank ask, is XXXX XXXX XXXX is a owner of this company and do he have any account, too his name or ss number in this bank. Do he have any account or ownership on this bank. Check ya record, operation agreement too see if he owns this bank too or made me the beneficiary too the bank or a bank account. He could own both the bank and has a bank account in the bank too cleck both .I believe, if all of this is so .please give me cpa accounting,
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CO)

I have been trying to to make my credit card payments for 3 months payments to US BANK and they sending my payments back.I Always have the funds to pay it as I'm typing this i, mon the phone with US BANK again same old transfers from one dept to another. They ruined my credit and everytime I talk to them they say they can, t do anything
Consumer complaint received 2023-01-25
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item 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 Balance {$8600.00} ; XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$750.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Inquiry XXXX XXXX. XXXX, 2021 ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANKMOBILE TECHNOLOGIES, INC (SC)

On XX/XX/XXXX, when I logged into my account it displayed a negative balance of - {$200.00}. My account should not have been placed in the negative or charged any opposing fees. Once payroll is disbursed into my checking account, I immediately transfer the funds to my savings. As I pay each of my bills, I transfer the exact amount into the checking account to ensure funds availability and that the bills are paid. There were no pending bills or charges for {$200.00}. When I transferred the {$200.00} to my checking account, it immediately was withdrawn. Where did this money go? I did not spend it. This is fraudulent and appears that someone within your bank is mishandling funds or committing fraud. I am sending this email to request the funds of {$200.00} be returned to my checking account. I sent several emails when this incident occurred. I also attempted to reach customer service at XXXX however, no one ever answered. I check my balance and monitor my checking account closely throughout the day. Now, it appears the bank is suggesting that I spent the {$200.00} after transferring the funds. However, I did not because it was immediately withdrawn. If they didn't charge me, where is my money? 


The bank responded on Monday : Dear XXXX, Thank you for contacting Customer Care. We would be happy to assist you. 

You recently contacted us regarding the transactions on your account. However, a review of your XXXX account shows that you don't have a charged for the amount of {$200.00}. 

Please log in to the website XXXX go to the " My Account '' menu and choose the " Recent Account Activity '' sub-menu for you to view your recent transactions. 

If there is anything else we can do to help you, please do not hesitate to contact us by replying to this email or by calling XXXX between the hours of XXXX and XXXX EST 7 days a week. We would be happy to assist you. 

Thank you, XXXX Customer Service XXXX XXXX XXXX, a wholly owned subsidiary of XXXX XXXX XXXX XXXX Accounts provided by Customers Bank , Member FDIC & Equal Housing Lender Dear XXXX XXXX We have received your inquiry and an incident number has since been created to investigate your concerns. We will either respond with a solution or request more information to resolve the issue. 

To avoid a duplication that could ultimately affect our response time, please refer to incident number XXXX for all inquiries regarding this matter. 

You can submit updates to and view the final disposition of this inquiry via the Your Account tab on the FAQ page. The FAQs link can be found at the bottom right-hand section of your account home page. Click on the Your Account tab and select the hyper link associated with the above referenced incident to view the details. 

For further assistance, you can also contact us at the Customer Care number listed on the back of your card between XXXX XXXX and XXXX XXXX EST 7 days a week. 

Thank you,
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed an account with XXXX XXXX  with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been XXXX  days since my dispute, which is past the required 30 days to respond.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

This debt is fraudulent and this account is over XXXX XXXX XXXX, and had been removed from my credit report. Now it magically reappeared. I disputed it with creditor, XXXX online and a dispute letter. They claim it's mine, but no proof has been sent to me to the fact. I want to mention that XXXX XXXX  XXXX is facing a lawsuit due to incorrect billing practices.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im writing to your company to report XXXX, XXXX and Transunion on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Service of Nevada (NV)

Yes this company could not provide verification of debt. They have me pay more than the owed amount and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Here is a list of inaccuracies that were claimed verified.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (VA)

I was approved for a XXXX personal loan at XXXX with auto-payment deduction. When I completed my online paperwork, I was unable to file auto-payment. Citi 's Customer Service Unit assured me - and this was confirmed - that once I receive the check, they would make the adjustment. Instead, they assessed my loan at XXXX. I contacted Customer Service to remind them of their agreement and they refused to honor that commitment. I referred the matter to the Executive Office which assigned a reference # XXXX and they also refused to honor our agreement. The interest differential damage to me is {$320.00}.