davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (PA)

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX  and XXXX XXXX XXXX. These people in many rural areas generally have limited access resources to healthcare. It is an unfortunate unmet need we are not uncommonly experiencing within the U.S. 

On XXXX XX/XX/XXXX, I opened a checking account with Chase Bank, account # XXXX. The checking account could help us conduct the community support and humanitarian works more efficiently. 

On XXXX XXXX XXXX, Chase Bank sent letter to the organization stated that the bank decided to close our account without revealing any reason. As by the present date, the organization still not able to receive refund the money that was put into the account initially. 

On XXXX XXXX XXXX, I spoke with XXXX XXXX, private banker of Chase Bank, XXXX IN. I received no explanation. On XXXX XXXX XXXX, I spoke with XXXX, Chase Bank Branch complaint, XXXX ext. XXXX, Case # XXXX XXXX. I received no further explanation nor help.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

My mortgage was sold to SLS Loan Servicing XX/XX/XXXX, along with XXXX in late fees. XX/XX/XXXX I paid {$790.00} regular payment, {$770.00} past late fees and {$270.00} additional principal. XX/XX/XXXX I paid {$790.00} regular payment and {$270.00}. On XX/XX/XXXX I called SLS to find out why my account was still showing a past due amount and I was told the additional payment was applied to the next months statement and not to the past due as I requested. I have tried numerous times to get this rectified without any success. In addition in XX/XX/XXXX I received an escrow shortage notice stating my new payment starting XX/XX/XXXX would be {$790.00} if I didn't pay the shortage. I didn't pay the shortage and started paying the new amount of {$790.00} but now the mortgage statement is showing an uncollected escrow amount of {$24.00} additional. Again, I have tried unsuccessfully to get this resolved with my mortgage company and I am frustrated as to what to do next.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I contact cfpb months back when I have this problem with PayPal, and they said they will hold my money for 180 days, just this month that the 180 should be over, I start having various mails from them, about all my information are correct, other will say my account is eligible for withdrawals but yet still I cant access my account, when I call the costumers call center there is nobody to talk because of COVID-19 and when I chat with them, Is like I have a start all over explaining myself at  the end of the day, they will tell me that they will forward my case to the department or I should wait for the system to refresh. 
Only to receive another email again telling me about another 180 days. All I want is to be able to get my money they are holding on to. Please help me this time
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2020-08-14
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. (FL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation
Consumer complaint received 2020-08-14
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. (AL)

I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Nationstar Mortgage ( dba Mr. Cooper ) has applied bankruptcy post-petition payments as pre-petition payments. Currently, the mortgage provider has not handled this matter in a manner that can be explained by any attorney review. By Mr. Cooper 's owner transaction history ledgers, they are clearly placing post-petition mortgage payment as pre-petition payments. All arrearage payments are made thru Chapter XXXX trustee, Mr. Cooper is aware of this. By reviewing the ledger, it is clear appearance that the mortgage provider has made some accounting errors. 

Mortgage provider supposedly refinanced ( thru " No cash loan '' ) this mortgage in XX/XX/2016 but this is not accurate because I had filed Chapter XXXX bankruptcy in XX/XX/XXXX of that year ( 3-4 months earlier ).
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from fifth third bank and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at fifth third. The closest fifth third bank is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been listed on my credit report. Upon reviewing my report, I have noticed several discrepancies in the information that has been reported. 

Firstly, the account with XXXX  ( account number XXXX ) is inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Secondly, the account with XXXX XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Thirdly, the account with XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Furthermore, the account with XXXX XXXX ( account number XXXX ) is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. The same goes for the account with XXXX  ( account number XXXX ). 

Lastly, the account with XXXX XXXX  ( account number XXXX ) and XXXX XXXX account number XXXX ) are also inaccurate. There is no record in my possession that these accounts belong to me. You must remove this inaccurate information from my credit report without any delay. 

I would like to request that you investigate these matters as soon as possible and take the necessary steps to correct these inaccuracies. I appreciate your assistance in this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I received a check from my brother and deposited it to my Checking acct on XXXX via mobile app and was notified there was a hold placed on the check I received an email notification XX/XX/ there was a restriction placed on my account I called the # on the notification and was transferred to a different dept ( assuming Fraud dept ) The person asked who the check was from, if I had ever received checks before, etc The person then said he needed to verify from the sender that the check was really made out to me He asked for a phone XXXX XXXX XXXX XXXX XXXX  which I gave to him, but it didn't pass his security check and they could not verify the owner of the phone # I gave him a 2nd phone # ( mobile ) which also didn't pass his security check I have literally no other # s to give him so my acct remains restricted I asked to cancel the deposit and he said the deposit could not be cancelled So at this point I don't know what to do. Any guidance here would be greatly appreciated. 

I have attached a copy of the check that was deposited for reference.
Consumer complaint received 2022-11-01
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. (FL)

I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : 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
Consumer complaint received 2020-08-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (OH)

My identity was stolen online. Charges are being made to my PayPal which draws from my bank. They have my drivers license # and necessary info to make charges to my PayPal account that appear to be authorized. Untrue. I can not close the Paypal because they have an existing amount pending as soon as funds are available in my bank account. The transactions were made through PayPal on XXXX the name used on both charges of {$440.00} and {$450.00} XXXX XXXX XXXX. The XXXX was taken out of my bank account on that date. The account was drained and the other charge awaits. because they have the existing charge I can't close the PayPal to stop them. I have notified my bank and they are working on reversing the one charge and then we will close my bank account. But Paypal needs to close my account those charges do not continue. They posed as the security system on my computer so I let them work remotely on desktop computer. they said I was going to get my annual fee returned because of Covid19.  I thought since they knew my fee they were legit. In the amused process they claimed they were having difficulty depositing into my bank, so they took me through PayPal and XXXX XXXX which needed a copy of my Drivers License which I sent email picture of. They posted {$2000.00} to my bank account which I could see and they sent a printed copy of to me via my printer. Themn I was supposed to purchase giftcards for XXXX each on different credit cards and I could use that XXXX to reimburse the credit cards i would us. Only my debit card was used to buy a XXXX XXXX gift card for XXXX. I gave him the number of the card. when I got back home none of {$2200.00} could be seen in my bank account. They had me believing that my computer was under threat from four countries so my security needed to be changed for each of them.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AR)

We received an email on XXXX saying that our online Wells Fargo account has been frozen and we've never had an account with Wells Fargo. I contacted WF to inquire and they checked our names ( XXXX and XXXX XXXX ) and found no account data. I would not give them my Social Security number for a in depth file check. They said the only alternate action would be to send a copy of the email to their Customer Advocates Group, which I did. 

At one time, we did have a mortgage that had been purchased/managed by WF but we paid it off. I don't recall that time period but it could have been the period when WF was opening accounts for customers w/o their knowledge. My concern is that perhaps that happened and funds I did not have deposited or authorized stayed in the record to be later used illegally.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$610.00}
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$610.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y 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 2022-11-02
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: TD BANK US HOLDING COMPANY (MD)

In accordance with the fair credit reporting act Nordstroms /TD BANK USA XXXX XXXX has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written
Consumer complaint received 2020-08-14
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (SC)

I have a Target XXXX XXXX which is their credit card. At one point, I had 2 linked checking accounts for online payments. I closed one account last year and removed it from my linked accounts. I have been making regular online payments with my linked account since then. Last week on the XXXX and XXXX, I made 2 online payments. I got notified, yesterday, that one payment was returned as NSF. I called the only line that helps with XXXX issues, which is based overseas. The agent insisted I made a payment with the old checking account even though he admitted I only have the current account linked.They would not admit they had some glitch that caused the malfunction. Today, I logged onto my app and found a second payment, on the XXXX, had been returned. I called the same number and a supervisor blatantly accused me of using the old closed account to try to pay the balance. I have tried 5 other numbers and an online chat only to be sent to the same overseas customer service They have all admitted I have only the active account linked but insist I am the one magically making the old account be submitted. I did no wrongdoing and am adamant that I should not be paying return fees for this since I did not even have the option of selecting this old account in my payment options. It seems like a scam and Target is employing customer service agents that are promoting fraud. They know I couldn't have done this but are penalizing me because they don't want to find out how this is happening when it shouldn't be.