davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

The fraudulent seller XXXX  *never* sent me my ticket after I paid the {$77.00} through PayPal. Due to Paypal 's consistent lack of intention to resolve the case of a fraud. PayPal explained that this was money sent to a friend, so I could not refund this even though I didn't receive the ticket. But, this transaction through the phone app at the time I was told by the scammer XXXX  - on the PayPal app, it was the only option I could- to check the box to send it the way the seller instructed verbatim. Even after wards, I felt uncomfortable and immediately called PayPal within the same minute, which PayPal has on file. PayPal never considered that this was fraud even though I explained the entire situation and text, numerous times. I called twice within the hour, and after called PayPal to at least 4-5 different times plus sent two letters sent to PayPal headquarters. 
I contacted them about on XX/XX/2019 but they didn't follow up on my response and promise that I would get my refund. Instead, they never refunded me. On the PayPal Resolution Center, the case was deemed closed. 
My PayPal account is under email XXXX.
Consumer complaint received 2020-04-12
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. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (VA)

I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to Cascade Financial who is attempting to collect through XXXX XXXX. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address  when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.
Consumer complaint received 2020-08-04
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. (TX)

There are three private companies that I don't have ANY notarized agreements with, collecting my data and reporting it every month. Transunion, XXXX  and XXXX. All three companies have proved that they are incapable of securely warehousing information. Why do these companies get my financial data, only to lose it? I did not agree to having my data collected by them at any point, why can't I opt out? 
These bureau 's serve no purpose and need to go.
Consumer complaint received 2020-04-12
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. (NJ)

The credit bureau stated they receives the verification from a bankruptcy from the court and that is not true. Since they did not disclose the correct verification process they have to remove the item from my report and not report it again. They removed it before and put it back on which they are not supposed to do.
Consumer complaint received 2020-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I hired XXXX XXXX XXXX to file Chapter XXXX to avoid foreclosure. I missed regular payments to JP Morgan Chase for my Home Equity Loan. JP Morgan Chase filed a motion to dismiss the automatic stay. My attorney did not notify me and did not appear in court for me. The judge allowed the automatic stay to be lifted. A sheriff sale was set for XX/XX/XXXX. Due to the Covid-19, the foreclosure was stopped. I re-applied for a loan modification and once again was denied. See complaint XXXX. 
JP Morgan Chase will resume foreclosure after the the Covid-19 foreclosure moratorium. 

The CFPB and other financial regulators have encouraged financial institutions to work with borrowers who are or may be unable to meet their obligations because of the effects of COVID-19. Your servicer should help you identify alternatives that may be available to you given your specific circumstances. 

The only offerings they have are a Standard Short Sale, Deed-in Lieu of Foreclosure. 

I want to keep my home. I have a lot of equity in the home, the city appraisal is {$160000.00}, I owe {$46000.00}. 

I would be able to make the reinstatement amount by the end of XX/XX/2020. JP Morgan Chase will not work with me for a repayment plan or forebearance. 

I am unable to refinance due to the Chapter XXXX and my credit score being XXXX. 

Once I gain my normal hours back after the Corona Virus stay at home gets lifted, I will be able to make my monthly payments, plus additional money if needed and then pay the reinstatement in full be XX/XX/2020, I am asking for help to keep my home.
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MD)

Over the past several months, a company identifying itself as Harris & Harris, of XXXX, IL, has been calling me repeatedly, sometimes twice a day, leaving messages indicating I need to call them about a debt. I have called them back on at least 5 occasions to determine the nature of the calls, and they always say they have no record of my number, or my name, and they will immediately remove me from any further action by them. The very next day, or sometimes that same day, I'll get another call with the same message on my voicemail. This is harassment, and i have requested they cease calling me, but they have not acted on my requests.
Consumer complaint received 2020-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I tried to dispute the portfolio recovery it says I owe them XXXX n some dollars on my XXXX XXXX tried several times letting them know even writing in that I believe this was my sister or a family member that use my information and they refused to remove the information they say that you know it's under certain laws I'm not really sure but I didn't do this this is identity that my sister knows my social security birthday is so do a few other family members that are really not the best of people should I say and it's terrible this is the things that I have to go through now because of what she's done or one of my family members
Consumer complaint received 2020-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/2020, I received a letter from FedLoan, U.S. Department of Education, stating that " On XX/XX/XXXX, the President signed the CARES ACT ''. Through THE CARES ACT, FEDLOANS 'PLACED THE [ MY ] LOANS IDENTIFIED XXXX e.g. XXXX # XXXX ] IN AN ADMINISTRATIVE FORBEARANCE FOR THE PERIOD XX/XX/2020, THROUGH XX/XX/2020. '' 1 ). For a student to be placed in Forbearance, THE STUDENT MUST REQUEST and call FEDLOANS Servicing Center at ( XXXX ) XXXX. Upon a request of THE student, " General Forbearance is decided by the LOAN SERVICER '' " if the student is temporarily unable to make [ your ] scheduled monthly loan payments for the following reasons : & Financial difficulties ; & Medical expenses, & Change in employment & Other reasons acceptable to your loan servicer ''. 

2 ) I NEVER REQUESTED A FORBEARANCE from FedStudent Loans Servicing. Although the CARES ACT serves as a protection for those students who experience a hardship during the Corona Virus Shut-Down, there are students LIKE MYSELF who are accepted in the PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ). 
3 ) I NEVER INTENDED TO FORBEAR MY STUDENT LOANS AS I AM COMMITTED TO PAY ON TIME 120 PAYMENTS IN ORDER MY STUDENT LOANS TO BE FORGIVEN. PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ) DOES NOT RECOGNIZE FORBEARANCE AS A COUNTING PAYMENTS TOWARD A PERIOD FOR FORGIVENESS CONSIDERATION. 
4 ). FedStudent Loans, while BLINDLY adhering to the CARES ACT, is violating [ TOOK CONTROL OVER ] my Consumer RIGHT TO SELECT my best option, pertaining to MY situation and choice NOT TO PLACE MY STUDENT LOANS IN FORBEARANCE. WITHOUT MY CONSENT, such ADMINISTRATIVE FORBERANCE violates the Consumer Protection Laws " The Right to Choose '', or " the customers have access and availability to a variety of quality products and services '', and " The Right to Information '' or " be adequately informed for product, or service ''. THERE IS ONLY ONE CHOICE : ADMINISTRATIVE FORBEARANCE. 
5 ) ADMINISTRATIVE FORBERANCE BY FEDLOANS cut my ACCESS to serve properly my PSFP per the terms and conditions, defined originally in the PSFP acceptance letter. 
6 ) ADMINISTRATIVE FORBERANCE imposed BY FEDLOANS provides NO ADEQUATE information to how this Administrative Forbearance will have a NEGATIVE effect on PSFP PARTICIPANTS. 
7 ). ONCE MORE, I do not wish any Administrative Forbearance. I continue to make regular payments ( made already in XXXX 2020 XXXX toward my FedStudent Loans to asure my good status at Public Service Forgivenes Program. In other words, I execute my Consumer right to 'choose ''.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The credit bureaus have listed fraudulent accounts on my report. XXXX XXXX sent has reported 3 fraudulent accounts on my credit report. No letter, no documents, no call. This is harming my credit report. My consumer rights have been violated
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I received a letter from CHASE indicating that they have a promotion available for me if I open a new business account and fund it with {$1000.00}. I went to the branch & the business account specialist told me I would recieve a BONUS of {$300.00} after opening a new account & maintain balance of {$1000.00} for 6 months. I did exactly what the specialist told me. In fact, I had over {$10000.00} in the account. After I realized that I only need to maintain a minimum of {$1000.00} to make the promotion valid, I went into the branch to withdraw the additional {$9000.00}. I immediately went into a CHASE branch and explained to a bank teller the situation & SPECIFICALLY ordered the teller to withdraw the maximum amount that will leave {$1000.00} in the account. A month later I recieve a statement indicating that my balance fell below the required {$1000.00}. The bank teller incorrectly withdrew more leaving only ~ {$990.00} in the account for whatever reason ( poor arithmetic skills, lack of training, intentional ). As a result, CHASE notified me that that could no longer honor the {$300.00} promotion. CHASE has used a loophole in their system to deny me my {$300.00} BONUS despite the fact that I instructed the teller to ensure that {$1000.00} is in the bank account f. I am requesting that CHASE honor their promotion & deposit the {$300.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX Business My customer relationship with dates back many years so It is extremely disheartening to know that they will breach the contract for a simple {$300.00} bonus despite the fact that I have deposited millions of dollars over the the years. I am prepared to take legal action against CHASE for breach of contract if my {$300.00} BONUS is not applied. 

I want the CFPB to publish this complaint. I am requesting that the CFPB ensure that CHASE honor their contract or I will take legal action against CHASE for breach of contract.
Consumer complaint received 2020-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I sent letters to XXXX, Equifax, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, XXXX, or Equifax on these matters.
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

They are claiming that they mailed me a letter saying they were going to repossess my car. I never received a letter. They also say that I told them to put my number on the do not call list which is not true but that was their excuse for why they didn't call me once leave me a single voicemail. It is the middle of a pandemic I suffer from XXXX XXXX my medication was in that car all the masks that I need was in that car I can't even walk to the grocery store right now because I don't have a mask how is it that during a pandemic they have the right to take my car without calling me once like I said don't claim they mailed it to me but that does not prove that the letter ever got to my mailbox that is a fact They repossessed my car without even notifying me once here 's the kicker I'm now paying {$500.00} to get it back plus paying the loan off because not having money was not an issue I only Mr. XXXX it because I thought I made one apparently I didn't so they didn't even notify me I had money the entire time the loan is now paid off in full I am waiting for them to release it and do all the nonsense involved with getting my car back but I would like to take civil action against this company and recover the {$500.00} that they are trying to charge me after taking my car without notifying me. Wilshire consumer credit is corrupt. Unprofessional and since they didnt notify Me that means they did not repossess my car they actually stole it!!!!!!!
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a letter from Wells Fargo indicating that they have a promotion available for me if I open a new business account and fund it with {$25000.00}. I went to the branch & the business account specialist told me I would recieve BONUS of {$1000.00} after opening a new account & maintain balance of {$25000.00} for 6 months. I did exactly what the specialist told me. In fact, I kept over {$140000.00} in the account. After 7 months, I realized i never received the promotion and contacted the same specialist. After looking into it, he notified me that Wells Fargo cant honor the contract because I never used my ATM card. I explained to him that I never received my ATM card. Wellsfargo has used a loophole in their system to deny me my {$1000.00} BONUS despite the fact that I maintained over {$100000.00} in the bank account for the term of the bonus promotion. I am requesting that Wells Fargo honor their promotion & deposit the {$1000.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX. 
Business Checking Account # : XXXX My customer relationship with Wells Fargo dates back to XX/XX/XXXX. It is disheartening to know that they will breach the contract for a simple {$1000.00} bonus despite the fact that I have deposited millions of dollars over the the years I am prepared to take legal action against Wellsfargo for breach of contract if my {$1000.00} BONUS is not applied.
Consumer complaint received 2020-04-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I sent letters to Experian, XXXX, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from Experian, XXXX, or XXXX on these matters.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}
Consumer complaint received 2020-06-12
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}
Consumer complaint received 2020-01-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-06-12
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} US DEP ED XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-12
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: Experian Information Solutions Inc. (NJ)

I was inquiring about getting credit or a loan. I filled out this form and it was said that they will do what is a Soft inquiry that would not make my credit score go down. They hit my credit anyway and now my score is lower.
Consumer complaint received 2020-04-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (IL)

My first time was on XX/XX/XXXX. Money was taken from a debit card. For XXXX at XXXX in XXXX, Il it was from my Direct Express Card then the next time, I had money come off my XXXX checking acct for XXXX. I believed my apartment has hidden camera because when trying to send emails I can't and the wall and floors tap is their anyway you can help me because this has happen several times I'm trying to move. Whoever is doing this to me is nearby. What do you suggest? Please help