davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

I have been applying for XXXX XXXX jobs for the last month. I recieved this email from a listing I applied to on XXXX  : Dear Candidate, We were impressed by your background as a XXXX/XXXX  XXXX  and would like to invite you to interview with us. 
You'll learn more about the position as we get to know you better. Looking forward to your response! 
Regards XXXX XXXX Human Resources Recruiter at XXXX XXXX I then did two interviews with them and was sent this email : Hello XXXX XXXX, Congrats on your new hire, It is my pleasure to extend the following offer of employment to you on behalf of XXXX XXXX ; this letter sets forth the basic of terms and conditions of your employments, please review the term set forth in this letter carefully, and do not hesitate to make enquiries from me where necessary. 
Regards. 
XXXX XXXX HR Manager at XXXX XXXX. 
I then was given a hr rep for training and that is XXXX XXXX and we used XXXX and his id 's for the app are DESKTOP ID : 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 and PHONE ID : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filled out work paperwork and emailed them back and then was given money to deposit into my account from their supposed bank. These checks were used to send to their " vendors '' and get gift cards for product that was on the invoice they sent me, which is below : Product XXXX  XXXX Pro ( 16-inch, 16GB RAM, 1TB Storage, 2.3GHz XXXX  XXXX  XXXX  ) XXXX XXXX XXXX Product XXXX XXXX XXXX  XXXX Wireless Monochrome Laser Printer XXXX XXXX XXXX Product XXXX XXXX  XXXX Cross-Cut Commercial Grade Paper Shredder XXXX XXXX XXXX Product XXXX - XXXX  XXXX XXXX Full-Frame Mirrorless 4k Video Camera XXXX XXXX XXXX Product XXXX XXXX XXXX Wireless Headset XXXX XXXX XXXX Discount PROMO CODE : XXXX XXXX XXXX XXXX NOTES : Payment Methods : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX I was told I will get this equipmetn by my start date of XX/XX/XXXX. Today, the checks bounced and now I am -XXXX  in my balance and I am liable for the money. This XXXX XXXX has delted the chat history and the phone number disconnected. I also called XXXX  XXXX ( the bank on the checks ) and they said that they did not send any checks and that it was fraud.
Consumer complaint received 2021-07-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-28
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. (OH)

I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX Reporting XXXX, XXXX XXXX XXXX Reporting XX/XX/XXXX Equifax XXXX XX/XX/XXXX But they keep hassling me.
Consumer complaint received 2021-07-28
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. (CA)

I contacted XXXX/XXXX  to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (TN)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

The loan # XXXX with Suntrust bank was in a modification status as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Suntrust stating that the mortgage was in default and in order to bring the loan current I would be required to pay {$6800.00} by XX/XX/XXXX. On XX/XX/XXXX I made a payment through Suntrust speed pay for {$4500.00}. On XX/XX/XXXX I made a payment through XXXX for the remaining balance. I have attached the 2 payment receipts below. On XX/XX/XXXX the loan was transferred to another lender. On my credit reports with XXXX and XXXX  they are reporting the account as 90 days late for XXXX, XXXX, and XXXX XXXX. 

I disputed it with Suntrust on XX/XX/XXXX and they denied my request. I am now asking the CFPB to investigate and update the account with the accurate information asap. 

Thank you XXXX XXXX
Consumer complaint received 2021-07-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (MI)

PayPal did not send me the letter that was attached in this complaint and Im XX/XX/XXXX they did not let me withdrawal the funds out of my account. The payment for {$36.00} for slots was made to me by a friend of mine for a slotting fee for his cow at the fair that I paid cash for. He was paying me back. This is really troublesome to me that the money that was held in my account by PayPal for 180 days Is then processed into PayPals bank account and taken. In my eyes as its my money this is PayPal Stealing and taking my money. How can they control that, say you abused the system without doing the proper research to see that yes it says slots but its not casino slots its a fee for slotting at the fair for my good friends Cow. This is super frustrating,
Consumer complaint received 2021-07-28
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. (UT)

I paid this credit card off in full with the payoff amount they listed on XX/XX/21. Then they added interest fee charges from XXXX until XXXX, when I was finally notified that they reported a late payment on my credit on XX/XX/21. I chose the full payoff and there is no way they should have added interest on a XXXX dollar balance. I called the company and they just kept talking over me reading a script. I asked to speak to a supervisor twice and was hung up on both times. I never received a call, email, or mail communicating that I needed to pay anything until Experian notified me. I also had automatic payments set up previous to paying it off, so I dont know why they didnt just automatically deduct the interest charge if I actually owed it. 
The company is XXXX and its managed by XXXX. I have been a loyal customer and I have consistently used my card there over the years. Ive paid it off with the full amount many times and never had this issue before. After this experience, Im going to close my account. I would never advise anyone to get a store credit there now.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I received a letter from Chase, stating there was a lapse of home coverage insurance. 
I immediately got XXXX to issue me a policy and contact their insurance department with proof of insurance and the representative from Chase says that I had 30 days to rectify the problem, which I did immediately, I have no idea what happened from prior insurance. but apparently they canceled insurance or they were not going to renew it, I did not receive no letter or communication from Chase stating to the fact there was no insurance at my house, I only receive one letter saying that I had 30 days to rectify this problem which I immediately did, two weeks from that I received another letter from Chase stating they were going to charge me {$240.00} for not having insurance from XX/XX/2021 to XX/XX/2021. this is so wrong in so many ways. they're looking for ways to nickel and dime you for-profits. I hope someone can learn from my experience from Chase and dome back with them I'm going to try to refinance and go to a different bank preferably a local bank, with the more personal and understanding policies towards consumers.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NV)

Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Consumer complaint received 2020-08-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX  XXXX {$3600.00} XXXX XXXX {$810.00} XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$810.00}
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Prestige Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company Capital One Auto Finance Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (OH)

I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in black '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XX/XX/XXXXI get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the black XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (UT)

I paid this debt over 2-3 years ago with another collection company that is no longer in business, they were based out of New York. I disputed the debt with the new collection company which is National Credit Adjusters, I showed proof of payments to the previous collection company and they said they started an investigation into the matter. The company didnt keep me informed about the situation and kept putting derogatory marks on my credit blemishing it several times. The derogatory marks include late payments and non payments while it was being investigated. Several months went by and I got a letter in the mail stating my payment options with them. I never received any sort of communication from them on the outcome of the dispute only a letter several months later with payment options to re pay them. This doesnt seem like proper business practices and I need help fixing my credit and this mess.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

{$110.00} was charged to my Venmo debit card on file with XXXX as one of my options for paying. 

I received products from XXXX which clearly shows on their site had been cancelled months earlier as a reorder. 

I have exhausted all mean and months of time to have XXXX send a call tag for their product or I will keep it and want a refund. They refused my refund and referred me to Venmo. 
Venmo gave me three conflicting reasons for denying my refund and declined in favor of XXXX. 
I filed with XXXX  and OAG consumer Affairs WA and XXXX issued the same exact form response. I have reached out countless times to Venmo and no response it is over XXXX months and I need my money. Thank you for helping I feel I am being bullied by both. {$11000.00} is a lot of money. I did not order these items. They have admitted sending without my permission
Consumer complaint received 2023-01-22
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  service violated my rights. 


15 U.S.C 1681 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
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Friday, XX/XX/2021, I went to the bank and asked the person at the door could I cash a check with only my license and she said yes. I stayed in line but three of the tellers would not assist me. 

They told me my social security was incorrect and I've banked there for years and recently filed a complaint with the CFPB. I know the tellers knew I was the one who filed a complaint on Bank of America so they wouldn't cash the check that was drawn on their bank. I deposited the check in XXXX XXXX and when I went there it wasn't posted. XXXX XXXX has my account as inactive and they are returning already issued checks against my account. I would like someone else to be responsible for the fees as I can't pay them myself because I am not working.
Consumer complaint received 2021-07-10
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: Credit Service Company, INC (TX)

On XX/XX/21 Credit Service company Inc reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/21 to XXXX several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX on XX/XX/21 reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt. I have not Ever conducted business with this company whatsoever.