davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct  loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, at XXXX Eastern Standard Time , I dialed the phone number XXXX and had a conversation with two representatives. One of them, XXXX, who worked in the customer service department, informed me that she had noticed a new " pending '' bank account that aligns with my identity. She promptly transferred me to the claims department. Upon reaching the claims department, XXXX verified XXXX 's findings and revealed that there had been an attempt to utilize my information for the purpose of opening a new bank account. XXXX assured me that their team would thoroughly investigate this matter and provide me with further details within 15 days, enabling me to file a police report if necessary. 

Today 's date is XX/XX/XXXX, and the time is XXXX. Unfortunately, no one had followed up on the matter at hand. In my attempt to address the issue, I contacted the customer service representative named " XXXX '' using the same phone number. However, XXXX informed me that she couldn't find any pending information associated with my account. Consequently, she transferred my call to the fraud department for further assistance. 

To my dismay, when I spoke with XXXX from the fraud department, he also couldn't find any relevant information in the system. Although he did mention a XXXX transfer from 2021, he couldn't provide any additional details. It appears that all the previous information I had received on XX/XX/XXXX is no longer accessible within the system. He checked several other data bases and stated that he is unsure how XXXX could have promised a returned call in 1 days because there's nothing in the system to follow up with. 

I require urgent attention regarding this issue as there are employees from Chase Bank who are concealing criminal activities involving the theft of my identity. I have been advised to email this number to seek assistance and obtain access to the recorded conversations of the two former employees who witnessed the fraudulent account.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. 

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!
Consumer complaint received 2024-02-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (AL)

I noticed that this company kept coming up on just 1of my reports and I didn't recognize them so I disputed the charge but they stayed on there so I researched and they claim that I owe XXXX  XXXX XXXX so I called XXXX and got a paper bill which shows that I have a XXXX balance and I am caught up and current. They insist that I still owe them, so I called them and told them they're wrong, they said they would investigate and after going over the information they have the wrong account and wrong name, well they're still on my credit report for XXXX but not the other 2 which they never were. I have disputed it but they insist I owe, I have sent a copy of my XXXX bill plus talked to XXXX  and XXXX  says they show that I have never been late with a payment and don't know what mrsbpo is talking about. I called them again and sent them my proof that they are wrong and they added XXXX to what they say I owe. They're costing me money, they have cost me so much, I can't get a loan, car, job, furniture, so much. They continue to cost me money and they know that they are wrong! Now they won't talk to me or even acknowledge me once they find out my name they hang up. My name is XXXX XXXX and my name is popular. But I have provided proof that they have the wrong account number and address and they even have the wrong date. I do not owe anyone anything, I have XXXX debt, I own my cars, my house, and I pay all my bills on time and in full, I always have. The company is MRSBPO debt collector. I don't know what else to do.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (IA)

I froze my credit report on XX/XX/2023 and the XXXX through the XXXX of XXXX XXXX XXXX  did XXXX hard inquiries, Again I have tried to convey just how I am having serious issue with the credit agencies and banks, etc... 18 U.S.C-894, Obviously XXXX really didn't have it froze or just has a deal worked out with XXXX 's XXXX Trustee, US BANK NA and they must prove that I gave consent to unfreeze it temporarily, You see I did this as a test because I know the Banks and these private llc which are not government agencies are directly conspiring to deceive and my belief is a criminal syndication, part of the XXXX to which is why the world is so poor while less than 15 % has all the wealth.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

Blockchain.com frozen a XXXX transfer from my platform to my wallet address XXXX on XXXX platform. 
They claimed that for not well specified " funds legalization '' they are forced to block these funds, and to unblock them I had to operate different consecutive transactions to their address XXXX. 
I did as requested but after several transactions were refunded as expected, they halted a transaction of XXXX XXXX XXXX ( XXXXXXXX XXXX ). 
They also claimed that to unfroze all the funds ( approximately XXXXXXXX XXXXs ) I have to operate a " last '' transaction of XXXX in a single solution to their wallet address XXXX. 
Being warned by this very uncommon and suspect conduct, I asked for a guarantee letter by which they have to declare funds release upon last transaction. They send me a fake letter signed by a person that is not in the member board of blockchain.com. They always wrote to me by the following address XXXX. 
I asked for your help! 
Thank you very much for your help Best regards XXXX XXXX
Consumer complaint received 2023-03-06
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. (IL)

This is my fifth 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
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

I was approved for a Loan Modification CITI Mortgage and made all of the the Trial Modification payments IAW the terms and conditions of the Trial Modification terms. CITI mortgage sent me Final Mod docs and the incorrectly are asking my Ex Wife to sign the Final Modification docs as a Borrower when she has no interest in the property ( the property is solely titled in my name and my Ex Wife never signed the original promissory XXXX XXXX multi State document. I signed the final Mod docs and noted o them that my Ex Wife refuses to sign them and also, I informed CITI 's Execute Response Representative the same. This past weekend I received a Demand Notice from CITI for payment in full though I have in fact returned the Final Mod docs with the requested XXXX Payment in accordance with the requested dates. At this stage of the process, I do n't to incur more attorney costs in defending myself from a Foreclosure XXXX by CITI. I just want the correct XXXX XXXX docs to be sent to me not asking for my Ex Wife to sign them and we can finalize this long process.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Hello, Today is XX/XX/XXXX. I am filing a complaint against USAA bank for a decision made in a payment dispute. On XX/XX/XXXX, I made a payment to a debtor, XXXX, for the amount of {$380.00}. On XX/XX/XXXX, I received my federal tax refund in the amount of {$4500.00}. The tax return was originally {$4900.00} ; however, the IRS made a payment to XXXX on XX/XX/13 in the amount of {$400.00}. I was not aware that this occurred prior to my payment of {$380.00}. 

I disputes the charge and a temporary credit of {$380.00} was applied to my account by USAA. I received a letter from the IRS a few days after my payment of {$380.00} stating the deduction of my tax return to pay a debt. 

On XX/XX/XXXX, I submitted a dispute request on my credit report to XXXX. I uploaded the document that I had received from the IRS. On XX/XX/XXXX, I received notice about my dispute results from XX/XX/XXXX ; the debt of {$380.00} from XXXX was removed from my credit report, as the debt had been paid. 

I received notice from USAA bank on XX/XX/XXXX to submit detailed information regarding the charge by XX/XX/XXXX. If not, then my checking account credit of {$380.00} would be reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I uploaded the IRS document to USAA. I called USAA around noon to confirm that they had received the document and if it was sufficient information they needed. 

USAA verbally told me that my information was sufficient. They also made a note in my account on XX/XX/XXXX with my request for documentation to a verbal approval. I had made multiple calls ( 3 representatives ) about the information that I provided. During these phone calls, I explained to USAA the document and how it relates to deposits and charges to my account. 

On XX/XX/XXXX, my account was debited {$380.00}. USAA had concluded that I had not provided them with sufficient information. When I explained this information to a senior member in their service department, she said that I could send an email to USAA explaining everything that I have to you in this complaint as an affidavit. USAA does not support email as a medium for me to contact them directly. 

Im frustrated with their service. I live paycheck to paycheck living in the XXXX XXXX. USAA has disrupted my livelihood and now I must worry whether their investigation into my dispute against their decision will come before the XXXX of the month.
Consumer complaint received 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (NE)

I requested a validation letter regarding this debt stating I owe. I sent a certified letter requesting this information, to be sure it was delivery I tracked the letter. While tracking it with the United States XXXX XXXX tracking number I was provided with receipt I was advised my letter was undeliverable. The status was that no business operated at that address. It has been over 30 days and this is a violation of the FDCPA.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 2023-06-14
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This Company is XXXX  XXXX  with good credit and no line no judgement no Ucu filing and pay on pr2optly time never late never miss any payment out of XXXX  XXXX  company with XXXX XXXX XXXX XXXXXXXX company profile stated that company 100 % in time payment XXXX XXXX Alway pay his company bill with a XXXX income per year purchase with over XXXX company is 100 % capital one denial the spark that all professional business has but XXXX XXXX XXXX the XXXX XXXX XXXX  ID # credit # XXXX this company has over credit account and is still grown
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

Debt does not belong to me. Belongs to my ex husband. This debt collection agency has repeatedly reported and validated to all XXXX bureaus regarding an old utility debt. They have refused to provide any documentation to me, to validate that this account is mine.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I joined the United States XXXX in XX/XX/XXXX and was XXXX in XXXX. I am from XXXX. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my Equifax and XXXX credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NH)

I moved and was not receiving my forwarding mail and my bank account was hacked through XXXX and I was issued a new card as a result the bill went unpaid. I tried to resolve the issue directly with discover but the account was already closed out and I was unable to go through them directly.
Consumer complaint received 2021-11-23
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. (TX)

My business account was hacked and around {$80000.00} was stolen starting on XXXX. I have a lot of transactions and did not notice the fraud until XXXX at which time I notified my bank and discovered how bad it was. We started a fraud claim and received a letter stated they will not cover anything XXXX days after the statement date of the first unauthorized transaction. That would be XXXX and they saying that they will not cover anything XXXX days past the first unauthorized transaction. I have copies of secure letter from them and copies of claim. I am now trying to contact the other banks where my money was deposited to in order to recover it.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-07
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. (NY)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX. XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.