davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (FL)

I told the collection company and company that I paid that I did not live their anymore and closed my account to send me the proof of usage I never received any documents stating I owed this account balance. When they contacted me I told them I will not pay a account I do not owe and the repeatably kept calling me and harassing me for money I do not owe.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-20
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)

In my previous complaint dated XX/XX/2023, I sent a complaint regarding the Accounts that are erroneous and misleading in my file. Please block and remove these accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

In XXXX, I opened an account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my now deceased mother. There is currently approximately {$2300.00} in this account. Since I live in XXXX and no longer need the account, I would like to close this account and transfer the funds to my XXXX bank account. 

Since XX/XX/XXXX, I have repeatedly contacted chase bank in various ways ( telephone, letters, online banking, XXXX XXXX ) to arrange for the closure of my account. Unfortunately, I have not yet received a satisfactory response. My online access has been repeatedly blocked due to unusual activity and a phone reactivation was denied for security reasons. As I am residing in XXXX, I can not come to the branch in person. But I asked my sister in-law who resides in XXXX to inquire at the chase bank in person to inquire about closing the account - all to no avail. 

In my last letter of XX/XX/XXXX I once again requested to close the account and transfer the balance to my XXXX bank account. I wrote that I would wait until XX/XX/XXXX before I contact a consumer protection agency or get other help. 

Still there has been no response. Therefore I need your support.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023 I requested ( via Capital One app ) to transfer funds ( {$350.00} ) from my Capital One checking account to a checking account I have with a Credit Union, which was already setup in my Capital One account for this type of transfers. The funds were taken out from my capital one account that night but they never arrived to my credit union checking account. I contacted Capital One on XX/XX/2023, submitted a claim over the phone, and on XX/XX/2023 they sent me an e-mail stating that the claim was closed because the money was sent as requested. I contacted my credit union on XX/XX/2023, provided them with the information from the Capital One e-mail that I got ( trace number ) and on XX/XX/2023 I received the response from my credit union stating that they didn't see anything coming into my account from Capital One. 
I called Capital One back on XX/XX/2023, asked to speak with a supervisor, and explained that I was still without my money in any of the accounts in question and he said that he was sending an e-mail to their claims department and they will get back to me. It has been 15 business days and I have not received any new notifications from Capital One and I'm still left without my money.
Consumer complaint received 2023-01-09
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)

The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer report.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY PERSONAL CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, WITHOUT MY CONSENT. THE CHARGES ARE FRAUDULENT, I NEED THIS FRAUDULENT ITEM TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.
Consumer complaint received 2023-03-01
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)

Transunion has not done a thorough investigation with the following collection agencies. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has been reporting false, inaccurate and fraudulent signatures to verify a debt that is NOT mine. I've asked for validation forms with my original signature and have not received any documents binding me to said debt. One document was forged and does not contain my original initials or signature. they also have documents with my name spelled incorrectly numerous times leaving me to believe they do not know who the debt belongs too. This debt needs to be removed immediately.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I have had a loan with XXXX. I have been 60 days overdue, but making the current payment for several months. I was told by XXXX that I needed to call on the 1st of the month every month to make the payment. When I called this month, I was told the loan had just been sold and to contact the new lender, Shellpoint Mortage. 

I never received any information regarding the sale of my loan prior to XX/XX/2017 the date of my loan sale, and have not received anything to this date, XX/XX/2017. 

I have contacted Shellpoint who does not know who I am. They have told me IF the loan was sold to them, within 60 days I would be notified. 

I am already 60 days overdue. If I wait another 60 days for them to upload the info to their computer, I will be 120 days overdue. No one will take my payment, not XXXX and not Shellpoint.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/2023, I made a fraudulently induced wire transfer of {$44000.00} from my XXXX account to an account at Wells Fargo Bank in XXXX XXXX under a nationwide cyber security fraud announced by the FBI on XX/XX/2023, as the XXXX XXXX XXXX, led by an impostor posing as a representative of XXXX  Fraud Protection Team. I filed a complaint on this website on XX/XX/XXXX, explaining the details of the incident and demanded a full refund from XXXX and Wells Fargo. I was subsequently contacted by the FBI as other victims have transferred their life savings to sub accounts under the same prime account at the same bank, under similar circumstances. Although XXXX was notified the same day of the fraudulent transfer, they did not request a recall until the next day losing valuable time that Wells Fargo could have used to place a freeze on the beneficiary enterprise / mule bank from allowing withdrawals by the cyber criminals. I called Wells Fargo Fraud Alert Department the next morning and was informed that someone would get back to me ; no one did. When I called again later in the day and the following day, I was informed that they could only speak to their clients. 

I was subsequently informed by XXXX that Wells Fargo said their beneficiary refused to remit the stolen funds. First and foremost, according to the FBI, Wells Fargo XXXX XXXX beneficiary is using its sub-accounts under its primary account to collect fraudulently induced wire transfers from victims and transferring the funds to cyber criminals operating from a call center in XXXX, and multiple victims are involved. Wells Fargo is clearly in violation of Know Your Customer ( KYC ) and multiple XXXX fraud risk management regulations and its failure to reimburse stolen funds makes it an accomplice for acquiescing to the existence of a fraudulent bank account and aiding and abetting the fraudulent wire transfers. Secondly, there are no grounds for saying these transactions are authorized as no one would authorize the transfer of their life savings to cyber criminals. Given Wells Fargos long history of fake accounts, fraud, scams on XXXX, and other illegal activity, it should be more than willing to reimburse any new victims of cyber fraud immediately and have ample insurance to do so. The failure of Wells Fargo and XXXX, two of the largest banks in the U.S., to safeguard clients from fraudulently induced wire transfers should serve as a warning to the public that your funds are not safe in these banks. The attached article explains in detail the failures of both banks in safeguarding funds of consumers and the grounds for a complete refund by both banks, which they have thus far refused.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2022, an account at chase bank was opened, that I had no knowledge of. My social security number, birthday, address and other personal info was provided. I called within 30mins to chase to close the account and to say I never opened the accounts. A debt account was also opened. When I received the cards in the mail at the end of the month I called chase bank again, to find out the debt card was not closed. This month, XXXX I received a letter from chase that {$700.00} was withdrawn out of the debt account. I called again to find out it was still not closed. After 2 hours on the phone I finally got the accounts closed and filed as fraud. Today XX/XX/XXXX, my sister XXXX XXXX also had a credit card applied for at chase bank.
Consumer complaint received 2023-10-24
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Hollis Cobb Associates (GA)

Debt collections are texting me to get payments from me. Also, I gave them XXXX information during the visit, so don't owe them anything. 

By law under the The Telephone Consumer Protection Act of 1991 47 U.S.C 227. I did not give the company permission to use my number the contact me.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 Citi bank randomly closed and froze my bank account with over {$6000.00}, my only money. Im a single father with XXXX children, I tried to e-deposit a scholarship check and my account was frozen within 3 hours.

I called Citi-Bank and they said it would take 60-80 days to get my money.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX unauthorized inquiries on my credit report that I have no knowledge of I dont have any accounts of any kind at all in my name I dont rent anything I dont have any loans but theres all these false reports, names and address I never even herd of
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

Chase used to have an online option that allowed customers to schedule bi-weekly payments. They no longer offer that option. If I just pay the amount due every month on time, it takes 30 years and I pay approx. {$260000.00} in interest ( $ XXXX loan ). If they allowed me to make bi-weekly payments, I pay off the mortgage in 25 years and only pay {$210000.00} in interest. I pay the exact same amount every month, just more frequently. That saves me money. That 's why Chase does n't allow me to do it. That should not be allowed.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

On XXXX someone used my debit card in XXXX, VA and XXXX XXXX, CA at the exact same time for over XXXX dollars. I filed a dispute immediately and they said they would start it. They did not start it until XX/XX/XXXX and XX/XX/XXXX. They also keep changing my provisional Credit date and even denied one claiming that XXXX, who was the merchant this happened at provided evidence that it was me who did in fact do the transaction in two separate cities 3000 miles apart. I just got off the phone with XXXX and she said that no I didnt have any account or any sort of purchases on my account or anything like that and that I was cleared and thats what they informed chime of. so chime just flat out lied to me, saying XXXX was the one who said they had evidence. I have also asked four different times for documents, proving the evidence against me and they refused to send them out. The lady at XXXX said she is going to escalate this to her superiors and have them get in contact with Chime Who will explain that this was not anything to do with me because it happened at two separate XXXX  3000 miles apart. It sounds to me like Chime is purposefully lying to keep pushing off my temporary credit. I lost my job in XXXX and can barely make ends meet as it is. Having {$720.00} taken from me and not given temporary credit for it has made me late on bills and has honestly caused me a lot of anxiety and made me extremely upset. And I already suffered from panic disorder and XXXX. They also passed me around to every department over and over again so they could avoid answering my questions. It is now XX/XX/XXXX and I still have not received a temporary credit. I turned in a great deal of proof as well as documents, showing the identity theft that I have been dealing with for a year and a half. They have now also lied about the evidence from the merchant. I spoke with the merchant directly and they said I was clear because whoever used my card had a XXXX account and I do not.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

I have been misled by the representatives of PNC bank. I was looking at some refinance options and around XXXX XXXX, I called the bank before deciding on the refinance. The person I spoke to informed that my property taxes are low currently and I was issued an escrow refund of {$2100.00} in XXXX, XXXX. Since I never received the refunded amount, the check will be reissued. Additionally, keeping in mind the current lower property tax an escrow analysis was rerun and I was informed that my new payment will be around {$1900.00} from XXXX XXXX and I will be getting further refund taking my total escrow refund to around {$3800.00}. These payments will be readjusted in future when my taxes are recalculated by the county. However, when I called today to inquire about the delay in getting the refund check, another representative told me completely different thing. She informed me that only the XXXX payment will be refunded and my payment will remain same. 
This is a clear case of misleading the customer and because of the shady practice I lost the chance to refinance after paying appraisal and processing fee of around {$400.00}. It also messed up my calculations about another personal loan that I was hoping to repay with the refinance option. This sort of misleading has messed up my finances and I am stuck in a precarious situation. All the bank will do is " better train '' their employees.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (NJ)

Name- XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX. 
DOB- XX/XX/1993 SSN- XXXX On XX/XX/XXXX i received my updated credit report from Equifax and noticed multiple discrepancies. I had previously sent them a letter letting them know some unauthorized and inaccurate accounts reporting on my credit profile, however nothing has changed. 

I'm afraid the inaccurate information on my profile is holding me back getting approved for a house for my family. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Capital XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX : XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.