davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo charged me for fees, sating that I had drained my account of XXXX $ I said that I was working in XXXX XXXX..they insisted I was in XXXX XXXX at a gas station. 

I had to get a new account ... while being out of money. 
I had an expired ID.. they allowed me to open an account. 

Apparently they kept this account open..and I could check on its balance for some reason years later. 

I then read about branches of wells Fargo funneling money through expired accounts. 

This company has over charged me fees through meticulously Rearranging debit card transactions ... for years and I can only pay them. I have paid XXXX $ for a pack of gum and a sandwich at one point.

They forced higher prepaid credit limits on me, with out my consent..stating that I should have just said no. Essentially they broaden my credit limit..which means..I now owe them ... at first XXXX XXXX then XXXX XXXX and now XXXX XXXX They never asked me..they just raised the amount and forced me to pay it ... with ... ridiculous fees if I don't meet their quotas. Now I'm stuck in their game. I called them ... they shrugged me off. 

I can go on if you need to contact me further.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The XXXX XXXX XXXX continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureau to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LA XXXX CNT Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX on XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas
Consumer complaint received 2020-01-04
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: CITIBANK, N.A. (TX)

Citi thank you card reported a 30 day to all the credit bureaus on or about XX/XX/2017. During this time, I was in a disaster area Hurricane Harvey declared by U.S President and Governor of Texas. I was without electricity and phone service. CITI bank issued multiple statements that late fees and payments would not affect members in this area. I would like it removed from the credit bureaus. 

Thankfully
Consumer complaint received 2022-09-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am the successor of my deceased mother 's mortgage loan. I had been enrolled in auto payments with the servicer, received letter of pending escrow shortfall, I mailed the shortfall payment via check in XXXX of XXXX, the servicer applied the escrow payment to the mortgage although they had debited my account in XXXX via ACH which was long established. The mortgage payment increased in the following months as a result of them not applying the paper check to escrow, which was sent to prevent escalation of monthly payments. Several months of my emails and phone calls to them, the problem was not resolved. I eventually made ANOTHER Escrow Payment over the phone with a live representative which was applied to escrow accurately ( XXXX ). During this period I also reduced my homeowners insurance premium which resulted in an escrow overage. The company sent me an escrow refund check made out to the Estate which I have requested 3 times for them to make the check out to me, the Estate checking account has been closed for years as my mother died in XXXX. This same company has honored my request before in the past by re-issuing me a check in my name, also pertaining to a previous escrow overage. I have contacted them repeatedly via email and phone, I get the runaround and now due to their faulty accounting they have not applied the first escrow check to account for a XX/XX/XXXX mortgage payment and instead had kicked me out of the ACH plan because of the paper check they received in XXXX and applied in XXXX, even though they received the ACH in XXXX as well. According to their lousy bookkeeping, they continue to contact me with late fees and letters of being behind in mortgage by 1 month. It's not true.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.
Consumer complaint received 2022-06-05
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: All State Credit Bureau, Inc. (MI)

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PA)

Debt collector called in XXXX to collects on Macy acct but input wrong acct on XX/XX/XXXX for {$77.00} but they included not only last she amt but XX/XX/XXXX payment in the collection. I received a call on XX/XX/XXXX because the agent used the wrong account and I was told the next payment was in XXXX which meant she include the XX/XX/XXXX payment in the collection attempt. I informed her that this was unfair and deceptive. She started she will this as feedback. Company should call and collect only any past due amount not advance payments. We
Consumer complaint received 2022-12-22
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)

I use the Experian app to monitor my credit. I contacted Experian on XX/XX/XXXX at approx XXXX because I saw XXXX new credit inquiries. 
XXXX ) They occurred on : XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX. 

XXXX ) I did not apply for any new credit with these XXXX companies and disputed both inquires. 

XXXX ) I did contact the tel numbers below that were listed on the inquires but was not able to reach anyone. 

XXXX XXXX XXXX XXXX ) I disputed the inquires, requested to freeze my credit profile and to put a fraud alert on there as well. 

The customer service representative informed me that they will remove the inquires and inform XXXX and XXXX for the fraud alert.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XXXX. XXXX, 2019 LVNV FUNDING LLC Account -- {$140.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX, an unauthorized wire for {$5400.00} was sent on my Chase checking account to a user whom I did not know, among many other unauthorized transactions from XX/XX/XXXX to around XX/XX/XXXX. I filed a police report, contacted my banks, contacted the FTC, filed a report on IC3.gov, and contacted XXXX. Chase bank has resolved almost everything except the {$5400.00} wire, which they denied on the grounds that I gave the perpetrator my username and password. I did not give the perpetrator my username or password for my Chase online portal. I met with a Chase banker, and we filled a complaint against Chase as well as had the Chase fraud and claims department reopen the case. 

I also plan on contacting the FDIC.
Consumer complaint received 2020-01-04
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. (WI)

I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} B XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}
Consumer complaint received 2019-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

I was a victim of fraud in my checking and savings account, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, they did their investigations and they returned all my money that was extracted, After 3 months they are calling me from a Hunter Warfield company, I explained that I was a victim of fraud and that I will not pay a debt that I have not made, today I realized that they placed my debt in XXXX, they are damaging my credit, I do not understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this problem that will affect my credit
Consumer complaint received 2023-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MA)

I applied on-line for an XXXX XXXX XXXX  XXXX XXXX XX/XX/2022, I received a email letter from XXXXXXXX XXXX requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a XXXX bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. Was not approved. 

Not only XXXX XXXXk employed agent was not truthful in his statement, he failed to mention that JPMCB Chase bank would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from XXXX and Chase Bank. 


Due to what appears to be an unscrupulous practices, I will never request and/or apply for any products or services from both said banks
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX XXXXXXXX I FILED A XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-12-07
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. (PA)

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 Number # XXXX XXXX XXXX XXXX 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 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Had accident and was in hospital and later XXXX. PayPal. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (RI)

I was called today by a company called Kinum. I spoke to a woman who threatened that if I did not pay this medical debt which was not even {$200.00}, that they would ruin my credit score. I paid literally sobbing because that's the kind of fear that they want to inspire in their consumers. They told me that I should be grateful as they knew I was young and " didn't want to do that to me ''. Even though I literally just found out that it was not possible. I called them back and asked to speak with the woman, but was instead directed to a manager, who seemed very outraged when I informed him, that I don't really believe that me reporting this instance on their site would do anything. After all, given the number of bad reviews, and of the obvious bots with good reviews, 2+2=4, let 's be honest. Not to mention, them threatening some of the people who left bad reviews with legal action. But doesn't change the fact that they are currently misrepresenting the law. I just wanted to filed a complaint, so that they could stop trying to threaten people.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Checking, Saving and Business Checking [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ] opened at XXXX Bank XXXX XXXX, FL XXXX in XXXX. Accounts were closed due to fraudulent activity not performed by myself [ bad check and unauthorized transaction ]. There was no repayment of funds issued without consent nor was there an authorized account user other than myself. Also, a XXXX XXXX IRA Custodian Account for XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) was opened, which carried a position. Last corporation was XXXX XXXX. 

According to customer service and banking Representative at XXXX XXXX of XXXX, FL XXXX no such accounts existed ( XXXX ). Also, the IRA Custodian Account had funds distributed without my consent nor an explanation. Also during XXXX a Location in XXXX XXXX, FL XXXX informed me due to COVID no one was allowed in the branch and my account was closed, and there was no remaining balance. I found that to be false when I sold remaining shares [ 5 ] of XXXX XXXX and informed XXXX XXXX my position was not for sale. 

Funds were issued by check. An account for XXXX ( {$1200.00} opening balance ) was closed as well during XXXX however there was a joining account that was tampered with, no consent from myself nor an explanation other than being closed for fraudulent activity. No fraud transpired and I have been without an account and funds since other than XXXX XXXX XXXXXXXX XXXX which was closed maliciously as well without my consent ( XXXX ). 

Remaining balance in XXXX XXXX ( {$1800.00} ) was never refunded nor an explanation to why this occurred with both banks. Same issue occured with Bank of America, Account user with XXXX XXXX XXXX [ XX/XX/XXXX ] ( XXXX ) and XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; funds being distributed and tampered with, without consent or explanation other than computer glitch or clerical error.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NJ)

Received credit card checks with promotional rate of 0 % until XX/XX/XXXX. 
I used the check in the amount of {$20000.00} on XX/XX/XXXX. And on the first statement they are charging the promotion fee of 1.99 % plus their usual 29.9 % apr interest. 
This is wrong. False advertising. 
I called the Elan Credit Cards. And they said they can not do anything about it and that I have to pay the interest they are charging.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This is a new complaint. I just got off the phone with the executive offices at Wells Fargo. The representative I spoke with has informed me that my claim was " re-opened, '' and that it was assigned an analyst, but he couldn't tell me anything about the investigation, or why I was never informed of it or of it being closed. He also stated that Wells Fargo would not be issuing any credit to my account pending the analyst reviewing my case. When I asked this person about Reg E, and why those rules were not followed in handling my fraud claim, he couldn't tell me. So, with the information he just gave me, I'd like to recap what I understand Reg E to imply and how WF has not complied with it, and ask what that means for me. Wells Fargo failed to promptly investigate ( or if they did, they certainly didn't inform me of any determination ) ; they failed to complete such an investigation in the 90 days required ; they failed to provide provisional credit while completing their investigation ; they failed to inform me of any such credit ; they failed to inform me of any determination regarding the claim ; they closed my account with a pending investigation in progress ; they closed my account due to overdraft which shouldn't have been a problem to begin with had they complied with error resolution procedures ; they threatened me with credit reporting agencies if I didn't make a deposit ; and now I'm told that they closed the investigation altogether without notifying me of it at all. According to the person I just spoke with, Wells Fargo has no resolution at this time and told me that I would have to wait to find out until Wells Fargo 's analyst makes a determination and that I would receive notice by mail. I would think that someone at the CFPB might take an interest in these violations. If this is consumer protection, than we're in trouble. I have provided all the information, all the documentation needed to resolve this matter and there is no reason that it is not yet completed as far as I can tell. This is completely unfair and what is the point of having these regulations put in place if they do nothing to actually assist consumers in times of dire need like this one? I am attaching the video where I am hypnotized on tape. I could only submit a certain file size so you can't see what happens before or after, or I would have sent the whole thing. Maybe this will convince you all to help me.