davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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)

There is a fraudulent account on my credit report called XXXX XXXX  acct - XXXX I have contacted XXXX many times and they will not provide me with a contract, give me details as to what this account is, they will not tell me who opened it, and none of their information matches with me. I have told them several times to remove it from my credit report, but all they do is give me the run around. I NEVER OPENED UP anything with XXXX and they tell me is that they can not find me in their system. 

Since XXXX XXXX is not doing anything about it, I have tried to put in several disputes with Experian and they are not deleting this FRAUDULENT account. It does not make sense that this account remains on my credit when I DID NOT DO IT. it has taken a toll on my mental health and has caused my credit to suffer. I have even filed a police report and still NOTHING HAS CHANGED! Every time I dispute the account with Experian they say that the account is " VERIFIED '' but that is IMPOSSIBLE because I NEVER OPENED ANYTHING WITH STATEWIDE, and statewide themself say that they cant find me in their system!
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I would like your help because someone committed fraud on my account and my bank does not want to help me and recognize this fraud. Two checks were deposited in my account and then three atm withdrawals were made somewhere in an atm at XXXX CA. I did not authorize this I didnt not deposited this checks nor did I withdrawal the money. I was at work in XXXX XXXX CA when this happened I had my card stolen I did not have it I did not authorize this. 
XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$500.00} XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$1000.00} XX/XX/2023 ATM withdrawal {$580.00} Chase bank did not approve this was fraud they mentioned it had to be someone close to me. I had my card stolen, even if it was someone close to me as chase said which there is no prove of and it could have been anyone who did this ; this is still considered fraud they did fraud on my account because this was never accepted by me. I do not know who did this I dont know where it even happened it was not me nor authorized by me and I believe chase bank needs to offer protection against fraud.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-04-01
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)

Equifax recently responded to my original complaint requesting certain info not be shared on my credit report pursuant to 15 USC 6802 and my RIGHT to opt out. Equifax complied and removed XXXX accounts but responded that an XXXX XXXX account was verified by XXXX XXXX, clearly violating me as a protected consumer! I am demanding a description of Equifax 's procedure to verify this account including a copy of any correspondence received from XXXX XXXX to " verify '' anything on my behalf. Additionally this is muy second request for Equifax to delete this account. At this point, Equifax is willingly noncompliant with the FCRA and violating me as a consumer. I am more than willing to assert my rights and pursue this legally if it can not be resolved ASAP
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase duplicated a XXXX payment requested XX/XX/ for {$100.00}, by charging the counterparty TWICE on XXXX when only a single request was made. The {$100.00} was credited from counterparty 's account twice, and debited to mine twice. 

In reaching out to JP Morgan Chase, their phone line had a 60 minute estimated wait time with no option for a callback. They do not have an active customer service email address. 

Further, since this is a XXXX payment to JPMorgan from XXXX, JPMorgan should be responsible for repaying the counterparty the {$100.00} that was inappropriately charged by JPMorgan to the counterparty 's XXXX account. My account balance should not change as this is solely the error and responsibility of JPMorgan.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CARD Corporation (TX)

XX/XX/2023 : This morning at XXXX XXXX XXXXXXXX, I received an email stating my account had been approved. This email was followed by three emails, each at XXXX XXXX stating my password had been set. These emails were followed by three additional emails ( XXXX XXXX XXXX XXXX, and XXXX XXXX ) with an authorization code. I looked up the company on the Internet and called the number provided in this report to report the fraudulent account. The company 's automated message required a full social security number and zip code to reach a representative. Since providing this information is a security violation, I could not reach anyone. 
I sent an email to supportcard.com reporting this as a fraudulent account and requested they close it immediately. At XXXX XXXX this evening, I received ANOTHER email with an authorization code. I believe this means they ignored my original email and have not closed this account. 
I had to freeze my accounts at the credit bureaus and report the incident to IdentityTheft.gov and with the 3 credit bureaus. 
XX/XX/2023 : I just received a notification that card.com is sending a credit card out despite my notification. I found a fax number ( XXXX ) XXXX and sent a fax containing my emails to cancel it. 
I do not have a card number, but they have the record under my email account : XXXX. I do not know what the billing address is for the card since I didn't open it, but I assumed it is the same as my address since I can not submit this report without knowing the information.
Consumer complaint received 2023-06-02
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. (OH)

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XXXX Dept . of ED/ XXXX XXXX Bank 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total loss paid Personal Name reported XXXXXXXX XXXX-error XXXXXXXX XXXX-error XXXX XXXXXXXX All reports XXXX XXXX XXXX XXXX- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed
Consumer complaint received 2023-08-02
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. (VA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-08-02
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. (TX)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2023-08-02
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. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account 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/block any account 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 account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} 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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a charged off account in XXXX  student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/year>. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (OR)

I paid off the loan on XXXX, 2023. I received a letter on XX/XX/XXXX saying " Also enclosed is your title and contract documentation that we had on file for your loan. '' the only thing the letter has enclosed is a Lien Satisfied letter, and a two-paged list of various business names that Westlake Financial says they have rights to service, secure or release the interest on vehicles with. 
When I called them they told me I have to go to DMV and pay for a title. I told them, no... you are supposed to provide me the title after the loan is paid off. She said the 'title is verified ' and I could not understand her words when I asked what she meant. She was clear about telling me that I would need to go to DMV and show them the lien satisfaction letter and then pay for a title. 

It's my understanding and previous experience with every auto loan I've ever had, that once the vehicle is paid off the financial institute that held the loan provides the title to me. I told her I believe they are required to provide the title and she kept repeating that the title has been " verified '' I gave up and told her I would file a complaint and force them to provide the title.
Consumer complaint received 2017-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I want to file a complaint to report how paying off my mortgage with XXXX has damaged my credit report. I had two offers of payment rejected. The first was an offer of total payment of {$14000.00} in two checks ( 1 ) was check # XXXX for {$12000.00} & ck # XXXX for {$1500.00}. dated XX/XX/XXXX.This offer was rejected by Green Tree XXXX 
A second payment was tendered to Green Tree cashiers check dated XX/XX/XXXX in amount of {$17000.00}. Was mailed return receipt. This offer was rejected. Attorney XXXX of XXXX., XXXX FL XXXX handled negotiations and is holding the check. It has been since XX/XX/XXXX and this lingers on my credit report. I have copies of check if you need confirmation. 3 years later I pay my taxes and insurance while my loan continues to be sold to different mortgage companys constantly selling the loan. XXXX sold to Green Tree who sold to DiTech and etc. 
This damage to my credit after paying loan off continues to linger on my credit and needs resolved so I file this complaint.
Consumer complaint received 2023-03-27
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. (GA)

I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Durango Credit and Collection Company, Inc. (CO)

Dispute Debt Collection Letter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Durango Credit and Collection XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XX/XX/XXXX Dear Collector I was notified by your company on XX/XX/XXXX regarding an alleged debt. Ambulance Service transported me to XXXX XXXX XXXX XXXX, CO XXXX emergency room two times without being tested for XXXX and no real clear-cut diagnosis at the time, had symptoms of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not understand why the hospital/ambulance service did not charge the bill to my Medicare Card . I was XXXX XXXX XXXX and got XXXX two times and could not work. Some of the employees that work for the ambulance service was unprofessional and rude ( kicked my foot as I was waking up from passing out ). 

I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Chime Financial Inc (FL)

I cashed a check through the Chime mobile Application. On XX/XX/XXXXXXXX XXXX XXXX  cashed the check but money was never in my account. Chime uses stride bank to cash checks. I called Chime they told me they returned the check to the issuer because of stop payment. I called the issuer of the check and they never received anything back regarding the check from chime. The person that issued the check got on the phone with Chime and they couldn't give an specifics or answer any questions all they said was the check was returned. THe funds are now missing and no one has any answer on where to find them.
Consumer complaint received 2023-06-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (FL)

Hi CFPB XXXX, My dispute is against XXXX XXXX XXXX 's for an account that should not have been in collections, nor should it have been reporting to my credit report. 

There is no existing debt due to the company nor XXXX XXXX. I am writing this request to immediately have this removed from my consumer credit report as it is hindering from being able to move forward with my life. 

I will engage in litigation against XXXX XXXX XXXX 's if this account is not removed within the next 14 days from the submission of this complaint.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Loans purchased my mortgage in XX/XX/XXXX. I was making payments to them from their online system for XX/XX/XXXX and XX/XX/XXXX of this year with no issue. I set up my XX/XX/XXXX payment to be paid on XX/XX/XXXX, and instead they sent the payment through on XX/XX/XXXX. I contacted them when I noticed they were causing my bank acct to go negative on XX/XX/XXXX. I contacted WF and was told to stop payment at my bank, and gave me a fax number to reimburse the NSF and savings transfer fees. I was then told by them that the payment would go through a few more times and there was nothing they could do to stop it even if it is their fault. My bank sent the transfer back to WF and asked me to contact them to make sure they would n't send it back through. I called WF on XX/XX/XXXX to ensure it would n't go back through and was told that as long as my bank stopped payment it would not come back through. Today XX/XX/XXXX, it was put back through as a retry. I again contacted my bank who will return it, but will only do so if it makes the account go into a negative status, which is the case this time. I called WF once again, and they told me to have my bank return it, and he talked with his cash dept, and they said it would go through again a few more times and there is nothing they can do. He apologized for the inconvenience and there was nothing else they can do even if it is their error. I can fax the fees charged from my bank to them to have them reimbursed, but could n't assure me this would not happen again. I ca n't afford to continue doing business like this, and it should not be alright for them to act like it 's okay and nothing could be done. I am still out {$80.00} in fees from last weeks debacle, and now whatever fees from this week, and I still have other bills coming out.