davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I borrowed {$300.00} in XXXX. I previously borrowed money in XX/XX/2018, which I thought I had paid off. I '' ve been paying off the {$300.00} since XXXX. and I still owe {$610.00}. I called the company today ( XX/XX/XXXX ), and they said that my payments are going towards the principle. I will NEVER be able to pay the loan off this way. This is ridiculous. These places should be outlawed.
Consumer complaint received 2022-01-21
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)

On XX/XX/XXXX Chase notified me that their prior decision on behalf re : my dispute with XXXX to which I still not received a response with an earlier complaint. Chase announces on my statement that XXXX requested. I faxed Chase that I had already overpaid XXXX with a second bank XXXX. Chase disregarded my evidence & sent me an email saying I owed the pmt but not giving a reason. Ive closed my acct at Chase but Im overdrawn at chase and wont be able to pay an extra XXXX. XXXX policy is NOT to allow XXXX  loans if prior funds not paid in full. Ive taken subsequent instacash loans with no problems since I paid {$200.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022 I received a text message from BOA asking if I had made a charge to XXXX for {$430.00}. I did not so I answered no, the next text said I would receive a call from BOA. A gentlemen called using the name XXXX XXXX from a spoofed BOA number that was Verified by XXXX XXXX, he claimed to be a BOA employee. He said the purchase to XXXX was made in Texas and I said I was in IL. then he said someone by the name of XXXX was trying to process {$3500.00} in XXXX transfers from my account. He said he could walk me through reversing the transfers. He asked that I create an account using my middle name and the first three letters of my last name and he would give me a transaction number,. Of course now I realize that translation number was a phone number. He had me transfer {$1700.00} from my checking and the remaining {$1700.00} from my savings. He tried to take more but it would not go through. He also said he would call back the next night in case the person was trying to take more. the next night his number came in as the BOA customer service number and I did not answer. I believe for him to know I was a BOA account holder and my phone number there had to have been a bank data breech,. BOA will not do anything to return my money since they feel they did not make an error, but between BOA, XXXX and XXXX the bank where my money was transferred to, there has to be an error in this entire process. Of course now I have received multiple emails from BOA talking about this zelle scam, where have they been to protect their customers prior to now. I don't use XXXX so didn't know how easy it was to send money or how there is nothing to reverse it. If you are not going to protect your customers then why are you offering it as a service., also BOA says to call when this happens and I have not had a wait time less than one and a half hours to talk to a BOA rep most of us do not have this time to spend. I have many notifications on my BOA account because I have a business account linked to it, so it is not unusual to have then contact me about a purchase, plus with a business account and I am more likely to do whatever I can to prevent a fraud purchase. I do not feel that BOA has protected my money for the fees I pay them and for almost 10 years.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim on XX/XX/2022 {$310.00} Someone has been doing on my card since XXXX and I did another claim on XX/XX/2022 {$3000.00} The told me I received the money to my account and that's not true.I send in my bank statement for the of XXXX and a police report I didn't receive the money
Consumer complaint received 2023-06-28
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (PA)

In a previous complaint with the CFPB Jefferson Capital agreed to close 2 collection files and inform each credit bureau to remove the 2 collection accounts from my personal credit reports. The accounts have been removed from XXXX and XXXX however they still remain on my XXXX credit report and have just been verified instead of removed. This is a direct violation of the resolution of the previous complaint. I am asking again that the items be removed as soon as possible.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WA)

On XXXX XXXX while working I got a notice money had been withdrawn from my checking account from a XXXX XXXX Ive never been to a XXXX XXXX or shopping there but it had been taken out with an atm. I locked my card immediately and disputed it but unfortunately they took two withdraws one of XXXX and another for XXXX. My bank denied the claim saying it was authorized because my pin was used but this was impossible because my card was with me in XXXX and no one but me had ever known my pin. I filed a police report they believed my card and pin was skimmed I provided paypal the case number and office name as it was being used nvestigated and would be able to provide camera footage of atm if paypal needed after speaking with 3 reps over the phone and escalating an appeal I got motivation again it has been denied again this was an automatic message generated with no real person to talk to besides general customer service agents over the phone that cant handled appeals
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (MD)

I submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

I was being charge extra fees and also was being charge for insurance on the vehicle that I already had. Late fees that I was not late on. Lots of extra fees that I didnt have. Especially on auto insurance witch I always XXXX  XXXX  another company.
Consumer complaint received 2023-05-05
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: EQUIFAX, 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 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. 1681 s-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 2023-01-23
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX XXXX  : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (OH)

Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I mobile deposit my social security check XX/XX/XXXX it was accepted and approved and said it would be available XX/XX/XXXX every since then they've just been lying constantly and giving me the runaround i complained to the FDIC which referred my complaint to the OCC and then chase bank agreed in a letter that i go into a branch with 2 forms of identification and they would release my money i did a branch manager called and then scanned the documents to the back office and they said it would be 24hrs then still lying and saying they didn't receive them 1 said another said they were blurry so of course I've completed the bringing the documents twice to the XXXX XXXX XXXX and twice to other branches still saying blurry some representative even said that they haven't received anything so on XX/XX/XXXX chase preformed a transaction called a XXXX XXXXXXXX check charge for my whole XXXX dollar check amount that was in my account without notice i just happened to check my account and noticed all my money gone so i keep asking where's my money money no one knows well i went into the branch and the manager called the bank office which said the funds was still restricted in a different account even after having some saying my money was mailed out to me when i explained that i have informed delivery which is a XXXX service that allows a customer to receive a scan photo everyday of every piece of mail coming to your address in your email so i explained to them there hasn't been no mail at my address from Chase in the last 30 days so now there admitting that the funds was still restricted and no can explain to me when or why i can't access my money the check definitely has been paid i have documents from social security so can someone please help me and let me not forget that without notice i went to check my account XX/XX/XXXX and now my account is closed no longer exist i even went to the branch and was told account closed and there and even when i called no still can't tell me when will i receive my money from my XXXX social security check deposit
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NC)

2019 I think I would sometimes get cash back at grocery store first it wouldn't allowed it then when trying again I got charge over amount and know I had money still in my account I did an over draft got charge more than I was supposed to then before I could make a deposit they closed my account saying I owed money plus the fees didn't under stand about fees every thing you did they charge over payment and it was not even right
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I've opened a checking and savings account with Bank of america and it got closed in XXXX because a friend of mines wanted to cash his check but he couldn't because the check cashing place was closed so I did him a favor by letting him deposit his check into my account for he can get his money after that my account wind up getting closed. I had no idea about it can result in account closure so I'm paying a big price and being held accountable for my stupidity. I've paid off XXXX to XXXX on XX/XX/XXXX and I believe I'm still on XXXX. I've learned my lesson after that.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Lennar Financial Services, LLC (CA)

XXXX loan, aka XXXX, is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. Eagle sold our loan to a different creditor in XXXX of 2022. The only amount in dispute is one payment we allegedly owe Eagle of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own one real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to Eagle reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if Eagle/Lennar is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the one payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us hostage as it appears as though we are currently in debt {$1.00} XXXX  dollars when in reality we are only in debt {$600000.00}.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX 2. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX XXXX. XXXX credit card XXXX charge off 5.XXXX XXXX XXXX XXXX XXXX XXXX They are reporting DLA of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.