davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Onity Group Inc. (TX)

I disputed the accuracy of the information on my credit report from Ocwen Loan Servicing, account number XXXX. There are 2 entries from this account on my credit report, one shows a perfect payment history and the other shows 120 days late in XX/XX/XXXX. When I disputed this inaccuracy in XXXX, it was corrected to reflect no late payments since my account was in forbearance and no late payment should have been reported. However, with XXXX, the account is still showing 2 different account entries and I only had one account. The information on both of them is inaccurate, nothing matches, and I have requested for this information to be deleted from my credit report due to inaccurate information. I filed a recent dispute on XX/XX/XXXX and XXXX returned the dispute as accurate, when it is clear there is a discrepancy. I have attached the results from both disputes that were unresolved. I want the information from Ocwen Loan Servicing removed from my credit file with XXXX.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NH)

My Barclays Bank stolen credit card number was used for an online order on XX/XX/year>, at a XXXX XXXX XXXX XXXX store in XXXX, New Hampshire in the amount of {$930.00}. I had ordered a washer one year before at XXXXXXXX XXXX in XXXX New Hampshire and turned-on email notifications, because of this I received the following notifications. 
On XX/XX/XXXX I received an email about the {$930.00} order placed at XXXXXXXX XXXX in XXXX, NH at XXXX, then another XXXX the order was picked up. Unfortunately I did not read the emails until about XXXX, but immediately called Barclays Bank to report my credit card number was stolen and was used at XXXX XXXX in XXXX , NH . Barclays Bank charge was removed at this time. 
I received XXXX letters from Barclays Bank, one dated XXXX stating my account was closed for the stolen card number. Then a second letter dated XXXX stating the I was not responsible for the fraudulent activity, although it was also stated depending on the information the merchant provided, the charge could be reversed back on my account and I would be given written explanation why with any relevant documentation. 
I received Barclays Bank statement on XX/XX/year> for the period ending XX/XX/year>. I went to my Barclays account online and found the disputed of charge {$930.00} dated XX/XX/year> was placed back on my account. I called Barclays Bank and was told XXXX informed Barclays Bank a person in the name of " XXXX XXXX  '' ( Not sure if I spelled the last name correctly ) used a government issued ID to pickup the order and had the {$930.00} placed back on my Barclays Bank account. 
I have XXXX complaints about what transpired : First Barclays Bank failure to properly inform me ( as stated in the XXXX letter ) about the merchant disputing the fraudulent charge and adding the charge back on my account without notice or documentation. 
Second, XXXXXXXX XXXX  XXXX XXXX having the charge placed back on my account. They stated a different person ( XXXX XXXX ) than the credit card owner ( Me ) pick up the merchandise. I called XXXX XXXX XXXX XXXX  store in XXXX, NH on XX/XX/year> at XXXX and spoke to assistance manager XXXX XXXX He stated XXXXXXXX XXXX allows 3rd parties pickup online orders with ID. Obviously if a person or persons have the knowledge to steal credit card numbers they would also be capable using a fake ID. XXXXXXXX XXXX poor security policies should not be causing me time and distress. 
I called Barclays Bank fraud line XX/XX/year> to dispute the charge again and asked the representative to send the documentation XXXXXXXX XXXX XXXX XXXX used to dispute the charge reversal and a copy of XXXX XXXX the driver 's license used to back the merchandise. 
Thank you
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Consumer complaint received 2023-08-01
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: CLGF Holdco 1, LLC (TX)

XXXX XXXX is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AL)

I have a XXXX  credit card account with commenity bank. I wanted to cancel my payment and make a different amount. This guy I talked to told me it was to late to cancel it. So he issued me a refund. I called today to check on the refund this female employee started to argue saying they don't issue refunds. I told her yes I have gotten refunds before. She acted as it bothered her I even got a refund. I have other community credit cards and I was issued a refund because it was too late for the payment to be canceled.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2023 I received email to verify my email address with Bank of America XX/XX/2023 I received email stating my application was denied by Bank of America for a SafeBalance Account - under name of XXXX XX/XX/2023  I received email to verify my email address with Bank of America XX/XX/2023 I received email that my " application '' was being processed with Bank of America under my name XX/XX/2023 I received email stating my application was approved with Bank of America under my name XX/XX/2023 I received email welcoming me to Online Banking with Bank of America under my name XX/XX/2023 I received email to verify my email address with Bank of America. 

I in my almost 50 years have never had a Bank of America account, credit card, loan, etc. I have never banked with them and never applied for anything with them. 

I called Bank of America fraud department- they say they can not do anything because I will not supply them my social security number. Bank of America supplied me via email with an application confirmation number and the last six digits of an account number and they are saying they can't do anything without a social?? I will not give them my social, it's a fraud case to begin with.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XX/XX/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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd (IN)

I signed up for a money services platform called Wise. My partner and I tried to add funds to make a purchase. The wire transfer went through for the Wise company to add the funds to the account but they refused and even tried to proclaim they never received the transfer. We have tried to get a refund completely because the company is not putting it in the account and continues to give us the run around asking for all the same proof of transfers and other documents for a refund that they have requested. 

They have tried to send false emails that say it was sent and everything, but as of today, they have told us the transfer was sent back again and they are requesting all the same information from the bank again. They are trying to run out the clock for us to be able to make a claim as well as get our money back and they are trying to charge us every step of the way for services they haven't provided and would not even be able to claim if they had done their job in the first place. 

My partner and I have both exhausted every option but I will not let a company just blatantly steal $ XXXX from me and my partner.
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. (CA)

IN accordance to the Fair Credit Reporting act, EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Experian Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Experian, XXXX and XXXX permission to furnish this this information onto my credit report. This is a violation of the XXXX Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (CA)

Plaza services was paid {$200.00} back in  XXXX  of   XXXX  , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 XXXX with drawed $ XXXXI called and demanded my money back. They had no business with drawing any money on expired debt card XX/XX/2021 was the expired date. That's 7 months ago.
Consumer complaint received 2024-06-15
Product: Credit 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: DISCOVER BANK (CA)

On XX/XX/XXXX. I received an order for a Vapor Canister from XXXX for my XXXX XXXX XXXX XXXX, that I had placed. The part arrived completely wet and damaged! I contacted XXXX to request a return label ( XXXX ) for the damaged part. XXXX refused to accept the damaged item, even after I sent photos. I contacted Discover Card to try to resolve the issue. I was later notified by Discover, by mail that the dispute had been resolved in my favor and the {$380.00} would be applied to my account. However, in XXXX of XXXX. I happened to log into my Discover card account and noticed that the charge for {$380.00} had been deducted from my credit card account. I was never notified by Discover that any charges had been re-applied and the dispute had been closed. I called Discover several times to continue this dispute with no resolution. I was told by Discover that I had reached the highest level of the dispute and that my account would be reported to all credit reporting agencies because I insisted on continuing with the dispute. I never received any information informing me that the dispute charges had been reversed and applied to my balance. There has been no resolution and I would like to file a lawsuit against Discover and XXXX for my {$380.00}. I still have possession of the damaged Vapor Canister.
Consumer complaint received 2021-12-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VEROS CREDIT, LLC. (FL)

Veros credit harasses me for only being a few days late. Due to the fact that im struggling to find a job. I believe in XXXX. Because they couldnt get ahold of me. They blocked my account, so i couldn't pay online, also they threatened me saying my XXXX was going to be turned over to the dealership. For only being 1 month late. and the reason they couldn't reach me is because i changed my number. But instead of calling my wife phone, that they have on file. They started calling and harassing our references. Yes i agree that its my fault for forgetting to update my phone number. But it is their fault on why they couldnt reach me. Because they did not call my wife number that is on file. Instead, they harassed my references.
Consumer complaint received 2023-07-05
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. (DE)

This is my tenth 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX Balance {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2023.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023, a Temporary Restraining Order ( TRO ) was placed on my Total XXXX account by Chase Bank. Despite filing complaints with both the Consumer Financial Protection Bureau and the XXXX  I have yet to receive a satisfactory resolution from the bank. The responses I received from Chase Bank, which I have attached as PDFs, simply advised me to wait for an internal review. Even though the TRO has legally expired, Chase Bank is still holding my funds without providing any information. This is my final attempt to kindly request the lifting of the insufficient XXXX and an internal review of my case with a prompt response. 

I also want to inform Chase Bank that, as a customer, I am escalating this matter to the XXXX XXXX XXXX before proceeding with a court complaint. I am taking legal action against the bank for customer negligence and the indefinite holding of my personal funds. If Chase Bank can provide a satisfactory resolution, I will promptly drop this case and avoid any further escalation. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (MD)

This Company reported I that I have Paid in full {$4200.00} But I have been Charged me {$6200.00} This makes my heart broken since I am struggle to.survive they were cheating on me. I felt that they robbed me. They were Keep telling me to pay more until I report this on here. 
Please see the Attached statements I really need Justice for this.
Consumer complaint received 2023-07-26
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. (MA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I had atleast 4 bank accounts and I had XXXX with all 4 and I had friends, associates, family members send money via XXXX the banks closed my account for suspected fraud, I can't even open another bank account I need help to resolve the matter so I can open a bank account thank you
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Hello, thank you for your assistance. I am working in California, and I changed my address in Texas ( moved permanent address ), and every debit card transaction I make gives me an error message about my zip code. I contacted XXXX Thursday morning about debit card declines and it worked through Friday, XX/XX/2021 then on Sunday, XX/XX/2021, I spent over XXXX hours on hold after speaking to a customer service rep, the call was disconnected and I called back to speak with XXXX, who shared that my card had not been declined since the XXXX of XXXX and she truly wanted to argue, I had to request to speak to a supervisor three times, I got XXXX who talked over me constantly, was not willing to listen to me report the multiple decline messages for " zip code. '' However, on my end it was declined by Turo Car Rental, XXXX, and has rendered my XXXX account not useable. All because of a zip code error, and now I have been on hold again for over an hour, with argumentative, gas lighting Chase employees, and how does a large institution such as Chase not update a change of address? I was, just now, disconnected again. I have found it impossible to even get ahold of them. When I do I receive substandard service, in 2021 do they not comprehend that people travel for their work? I am also due {$250.00} because of my direct deposits that have funded my checking account that they promised when I opened the account.
Consumer complaint received 2023-07-25
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)

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.

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.