davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022, I was contacted by phone with XXXX people impersonating people from the Office of the Inspector General/DOJ , the Social Security Adm , and my local Police Dept. They informed me that my SS XXXX  was being used to open other accounts around the country and that all accounts would be closed for further investigation. I was told that I could put some money into a special account that I could access until I was given a new SS XXXX. I went to my local XXXX XXXX to send a domestic wire transfer to a Chase Bank in California for {$46000.00}. After completing the transfer, I became very worried about what i had done. I went back to the XXXX to stop it, too late. I filed reports with my local police, XXXX, FTC, XXXX, XXXX of California, and my XXXX. I tried to talk to Chase Bank and its Claim XXXX with little success. They didn't seem to be concerned that an account was being used to scam elderly people for fraudulent purposes and possible money laundering. I fear that these people will continue to prey on and take advantage of others.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I have been trying to call Experian credit for months and they just say go to the online Experian.com. You do not get to talk to a customer service person about anything. Not everything can be done on line we need a contact number to a real person not told to go to the online app please help us.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

Lexis Nexis is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the US Bankruptcy Court Southern District of Florida which is false. I have a attached a letter from the US Bankruptcy Court Southern District of Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. Lexis Nexis is falsely stating this information on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2022-02-22
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. (MO)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-12-27
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: PNC Bank N.A. (TX)

I reached out to PNC multiple times regarding this dispute that I did not do. My dispute was not properly investigated I also went into the branch multiple times and called over the phone. I also called over the phone and filed multiple disputes. 
. I I believe that this was part of a data breach which caused my credit score to drop over charges that wasnt properly investigated.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of three weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the XXXX XXXX dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
Consumer complaint received 2023-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital one credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act capital one 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 an 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 reason
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I asked XXXX to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that 72 hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 USC 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 FDCPA XXXX XXXX False misleading information FDCPA XXXX furnishing deceptive forms must correct late payments under XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$240.00}
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

Barclays Bank sold my credit card account to XXXX XXXX Bank in XXXX, XXXX. I made two payments to Barclays via XXXX XXXX XXXXXXXX electronic payments from my bank account in XXXX, XXXX  and Barclays for 7 months told me and XXXX they never recieved the payments. I sent each Bank copies of XXXX  XXXX XXXX XXXX Letters proving payment. Finally Barclays in XXXX, 2022 through thier Settlement Department admitted to me and XXXX that they transmitted electronically the payments to XXXX back in XXXX, XXXX  through thier Trailing Payment System and stated dates. 
In XXXX, XXXX  Comenity, in a conference call with me and Barclays, was to follow up with Barclays and together locate the funds. Comenity on XXXX notified me that they did not recieve the funds from Barclays and asked me to contact my Bank to review submission of payments. Barclays would not provide me with written evidence that they transmitted the funds, on my behalf to XXXX. 
One of these two banks has my payments and after dozens of emails and phone calls and letters, I am at a loss as to how to recover my payments or get credit. Each Bank points the finger at the other and all I get is a run around.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

National Credit System, phone number ( XXXX ) is the creditor for XXXX XXXXXXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX -- This is reported on my credit report as negative in XXXX of 2020. This is fraud. I have never been to Georgia and therefore never stayed at some apartments. I have tried disputing this multiple times. My purse was stolen along with all my information 3 plus years ago and this is obviously a result. I have had to pay for XXXX ( credit monitoring ) to try and keep my credit info blocked which has helped but sometimes on my reports their will be people in XXXX TX as well that are using my SSN number at their apartments. I just want to get this off my credit report because it is not ME. It is fraud.
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Before Covid-19 Pandemic, my small business was running great and made my car payments very well. But since XXXX, my small business has been suffering and struggling. On XX/XX/2023, I submitted an online inquiry with a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXXl Manager of XXXX XXXX about my financial hardship. I was searching for a program to help me out during this hardships moment. On XX/XX/2023, I received an email from Lexus Financial Services saying that my account is subject to review for repossession. On XX/XX/2023, I call XXXX and was talking with one of the representatives regarding my hardship situation. I was trying to ask them for help and to offer my car payment of {$200.00} a month for the next 6 months until my business picks up. They told me that they can not accept my offer. I told them if they can not help me with the lower payments that I am asking for. I would like to sell my car back to them and would like them to cut me a check on whatever the value of my car then they can take back the car. As of right now, according to XXXX XXXX XXXX, my car value is worth {$43000.00} and my outstanding balance is {$36000.00}. But they told me that they can not do that. For example : Just like a house, if your house has value, you can sell it and pay back the mortgage and other fees then whatever is left is ours to keep. I feel this is so unfair to me because while my business is struggling and I need this car to move around and especially since I have 4 children that keep getting sick and I need to take them to the XXXX XXXX XXXX XXXX XXXX 
Please help me to find the best solutions for this issue. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (VA)

This is a follow up on the complaint recently closed regarding Cross Country Mortgage. There is no resolve. Cross Country did not notify me of the funds being mis-applied. The representatives, when I called, reported the " mistake '' will be fixed and the money applied to the mortgage payments.. I never received a letter/call stating, that I needed to pay the mortgage as a result of mis-applied funds nor did the customer service representative inform me of such. Now I owe thousands of dollars and my credit rating has decrease tremendously, no fault of my own. Cross Country should bring my mortgage current, I should not have the tribulation of applying for modification ( just assuming they will try that explanation ) By law they were to notify me in writing of any changes. The only communication I received was notes to go to financial counseling and threats of foreclosure. ",,, We pride ourselves on customer service '' ... XXXXthey wrote. So please pride yourself in doing what is fair and equitable,
Consumer complaint received 2023-06-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

Equifax has several accounts that are not mine listed and will not remove them. XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I would like these accounts removed they are not mine
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 U.S.C 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an 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 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying 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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

i recently just checked my credit report and XXXX and XXXX has ceased all credit reporting back in XX/XX/2021. Experian has still not deleted it off my credit report. please see proof of deletion on complaint number XXXX
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY ()

My name is XXXX XXXX XXXX and I had a Mortgage with Wells Fargo for my property located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. In 2019, Wells Fargo foreclosed on my property without notifying me. Wells Fagor claimed they did notify me, but I never received any documentation before the foreclosed my property and took ownership of this property. 

After Wells Fargo foreclosed on my property, they never returned my personal belongings worth over $ XXXX USD including but not limited to expensive jewelries, expensive clothings, expensive Furnitures & Electronics and my Original Diplomas hung on my wall from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, my two cars - a XXXX and a XXXX XXXX were also never returned to me. 

I have contacted Wells Fargo regarding the aforementioned personal belongings and and they informed me to contact XXXX XXXX. I followed their advise and contacted XXXX XXXX, who in turn asked one of their contracting company to call me and inform me that there is nothing they can to to return my property.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + Transunion This is in regard to 3 unauthorized hard credit inquiries on my Transunion credit report. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Please have these 3 unauthorized hard credit inquiries removed as soon as possible as it is damaging my credit and ability to obtain new credit.
Consumer complaint received 2022-12-27
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This complaint is to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.