davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a letter from XXXX ( XXXX ) reducing my credit limit from {$500.00} to {$100.00}. Because I had never been late on any payment or asked for an increase in the credit limit, I was surprised. According to the XXXX representative, Trans Union listed delinquencies, which cause the change. As a result, my credit score was reduced. 

The information reported by Trans Union was incorrect. I want this form of credit discrimination and injustice reported and corrected.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

THIS ACCOUNT WAS REMOVED, THEN REINSERTED AND I WAS NEVER CONTACTED, THAT'S A SERIOUS VIOLATION OF THE FCRA, IM ASKING FOR THIS ACCOUNT XXXX TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (WA)

Chase lies and does not dispute fraud claims. I opened a dispute with my credit card issuer, Chase on the XX/XX/XXXX because I did not receive the item ordered and the seller suggested that it was a mail fraud. After not hearing any update from Chase for over 35 days I contacted them on XX/XX/XXXX informing that I could provide any info if they needed. I was not contacted by Chase to provide my side of story and evidence of receiving wrong item. The dispute was denied and they charged me for the full amount today. I just wanted to return the item back to seller because I received a wrong item.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NM)

XX/XX/XXXX Dear CFPB ; I Filled bankruptcy, XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. XXXX, CaseXXXX. They Called I Talked To XXXX XXXXXXXX XXXX He Was So Horrible Demanding Payment Immediately, Was Told FICA From Bank, And The Federal Government Will Garnish My XXXX  Checks, That I Am required To Pay Even With My bankruptcy, Would not allow me to talk to my lawyer, Made me pay {$30.00} And That They will Now Take {$100.00} a month out of my bank, This Was with Wells Fargo Bank about 7 years ago. I Have Received No Notice, No phone calls, nothing, And I was Threaten So Much, I was Shaking! I contacted My attorney.

XXXX XXXX   XXXX Chapter XXXX  Case Manager XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX Telephone : ( XXXX ) XXXX XXXX XXXX Facsimile : 1  ( XXXX  ) XXXX   email : XXXX website : XXXX XXXX XXXX   They Said Not To Speak With Them again She Was So angry At Them. 

Please help XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (TX)

I made two payments to my account and my premium didn't go down. When I called about the problem they said that when I applied for the loan that I must have hit the refinance button by mistake but it's nothing they can do about it. I asked them why would they approve a refinance on the same day that the loan was taken out on when it's not going to be beneficial to the customers. And all she would say is that it's something we offer to the customers. They are intentionally taking advantage of customers. I would like this company investigated and shut down. They said it happens all the time. Yet they haven't fixed the problem. Literally when you are filling out the application for the loan it's a button on the screen saying refinance and all you have to do is put the button and its done. No signature or nothing. It's very confusing because people think it's part of the loan process when they are just taking your money.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

I was a victim of identity theft starting at the age of XXXX and someone opened bank accounts, credit cards and checking accounts in my name. Ive never had navy federal credit Union in my life and you guys have cleared and closed the credit card that was in my name due to fraud and I need this checking account and savings account closed and removed as well
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

Yesterday XX/XX/19 I received a notice from XXXX saying that my account was going to be defaulted due to non-payment. Today XX/XX/19 I called XXXX to figure out what was going on, I had never received any bill from them. As I was speaking to the customer service representative she notified me that my Department of Education loan hasn't been received since XXXX. I was using a 3rd party consumer when I was paying on this loan. I was unaware that they were a 3rd party consumer, I thought they were the one that dealt with my loan first hand. American Education Services has been taking my payment out every month on the XXXX since XX/XX/19. I am not sure what payments they have sent to XXXX. I have paid XXXX since XXXX. I then contacted them and they tried to tell me that they were assigned to my loan. When talking to the lady from XXXX, this was something that she heard of quite a bit. She has heard them do this very often. I am now concerned that they have all my information and what they could do with that. They haven't paid my loan for months, it makes me wonder what they would do with my personal information.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX i was contacted by XXXX that i had over XXXX in transactions in less than 10 minutes. I informed them that i was not at XXXX buying gift cards. I then checked my other accounts and noticed pending XXXX transactions in the amounts of XXXX up to XXXX. I called and filled a report with XXXX who refunded me and locked out my accounts. I then called Wellsfargo and reported it as well. They said it would take up to 10 business days to resolve. I checked back numerous times to hear that they were still working on it. The XXXX day i received a letter stating that they found no evidence of fraud.I then filled a complaint stating that i did not approve of those transactions and do not know the people who took it. I asked for how they came to the decision and the service rep said a letter would be mailed to me but she is not allowed to tell me the process. I received the letter a few days later to see that Wellsfargo stated that they found no evidence of fraud and that whoever did the transaction had to be someone i gave my username to. I am reporting Wellsfargo for not taking the proper steps in investigating my account. I provided them a screenshot of XXXX returning my funds from the fraud. I informed them that no one is authorized to use my account but me. I let them know that i had recently purchased a new phone with a new sim card and that someone may have gotten my information from that. The fraud amounts and dates are as follow : XXXX {$100.00} a second one for {$400.00} to the same person. Then on XX/XX/2020 another transaction of {$500.00} was made using my XXXX, I also informed Wellsfargo that i have never made a XXXX transaction in the entirety of my banking with them. The XXXX transactions only had emails as a form of contact which i have no relationship to these people. I would like Wellsfargo to do their do-diligence in the matter.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (DC)

On XXXX, I noticed two suspicious charges on my credit card account, on which my husband is an authorized user, for {$34.00} each from " XXXX XXXX ''. I called Chase who said the charges had been keyed in and that my card would need to be replaced, and also helped me identify an additional charge from XX/XX/XXXX for {$32.00} from " XXXX XXXX '' that was also suspicious and made via XXXX XXXX. When I looked up the franchise number attached to these charges, they are both in areas of the city my husband and I do not go to. 

Additionally, my husband was hospitalized in mid XXXX with XXXX and he has not been leaving the house, so it is impossible he could have made these charges. 

I noticed today, XX/XX/XXXX, that the charges were still showing on my statement so I called again. The representative this time told me no fraudulent claim had been filed. She also told me that all three charges were made from the XXXX XXXX  account attached to my husband 's phone, in contradiction to what the previous representative told me, and that they were not made in person but online ( again in contradiction to what the previous rep told me ). She opened a fraud claim investigation for me but also told me that because the charges were made through XXXX XXXX, they would probably be found to be legitimate and we would be re-billed for them, potentially impacting my credit. I stated these charges were absolutely fraudulent. 

This is absurd because these charges are fraudulent. My husband and I do go to XXXX, but when you look at the billing statement, the actual locations we frequent show up as " XXXX XXXX '' versus these fraudulent transactions which are showing up as " XXXX XXXXXX '', without the XXXX spelled out. You can also see that we have never been to the alleged franchise locations from the fraudulent charges. I am not even sure if these are legitimate XXXX locations or just a scam to make the charges look legitimate during a credit card theft scheme.
Consumer complaint received 2020-11-12
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. (NY)

I wanted to add my XXXX to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's error.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XXXX  I got a loan through XXXX XXXX XXXX XXXX. The loan was paid off by the insurance company and gap paid the remainder. However, the company is claiming that they need an additional {$490.00} I don't know why but I disputed the account with all 3 credit bureaus and its still reporting on my credit as charged off. 

If the company claim that the account is charged off then Im requesting a 1099c that this debt according to the IRS is cancelled and needs to have all 3 credit bureau aware of this immediately.
Consumer complaint received 2023-07-13
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. (NY)

This is my second attempt of filing a CFPB complaint myself. The current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are open nor tied up and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise please help me correct these accounts immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-14
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. (MD)

in accordance with the fair privacy and confidentiality under 15 usc 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right 15 u.s.c 1681 section 602 A. states i have to privacy. 15u.s, c 1681 section 604 section2 it also states a comsumer reporting agency can not furnish account without my writting instruction.
Consumer complaint received 2023-03-07
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Sent over money to CB on the XXXX of XXXX Withdrawal ACH Coinbase.com TYPE : XXXX ID : XXXX CO : Coinbase.com ACH Trace Number : XXXX in the amount of - {$3000.00} Withdrawal ACH Coinbase.com TYPE : XXXX ID : XXXX CO : Coinbase.com ACH Trace Number : XXXX in the amount of - {$1000.00} They are claiming that they haven't received funds and demanding I pay back XXXX to use my account. This is extortion.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX, I received an email ( in the middle of the night ) stating my online application for a new Bank of America checking account was in process, then received subsequent emails about my application, verifying email, etc. I called Bank of America Fraud department and opened a case the next day, was given a case number, and told this happens often but they would follow up. I froze my credit and put a fraud alert on my credit/SSN to be proactive. I never heard back from BoA. A month or so later, I got a bank statement for this account ( no activity on account ). In early XX/XX/XXXX, I had the same issue with opening a fake account in the middle of the night. I went to my local branch and they were not very helpful, stating I could not have any additional information on the account since I didn't open it. The branch manager said this happens a lot and the fake accounts are typically closed before the consumer is even aware that they were opened. OK, just a necessary evil it seems, especially since the accounts never have any activity ( no deposits or withdrawals ). Now on XX/XX/XXXX, I get yet another notification of a new account. By now I am desensitized and think these accounts will eventually just go away, so I ignored the email. Today I received a debit card for the account. I'm tired of wasting my valuable time pursuing this. If I call, it's at least 30 minutes to explain myself to the new person I've never talked to. If I go in, they give me no information. I have never received any follow up from the fraud case I have opened with them. I can not believe they can not block my social/email/something in their system for opening new accounts, as I will never knowingly do business with them after this.
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I noticed my PayPal account got the name associated with the account charged. I tried to change the name back to my own but was unable because my ID didnt match the fraudulent name. I tried filing an email complaint but was unable to. 

On XX/XX/XXXX I logged in again to find over 20 fraudulent charges. 20 of those were a series of identical purchase orders for XXXX $ each, made by someone named XXXX XXXX. All of these were unauthorized. XXXX of the charges were large check withdraws made out to someone named XXXX XXXX XXXX, at an address that I think was XXXX XXXX XXXX None of these charges were authorized by me. 

When I called PayPal, I got shuffled around to at least 5 representatives, none of whom were able to help me. 

I called back the next day and supposedly had someone document my complaint. They said they would file a case but I never got notified. 

Between XX/XX/XXXX and the beginning of XXXX, I called PayPal on a bi weekly basis. Each time, there was never a record of my calls. During this time, the person who made the fraudulent purchases had all their money returned. I was never able to sign in to my account to communicate with them or PayPal due to the fact my account was going overdrawn. My account was overdrawn because of the check withdrawal that were made and SENT to a person that wasnt me. 

On XX/XX/XXXX, I contacted ID notify to file a case for identify theft. A representative tried to help me by contacting PayPal with me on the line and we were hung up on 3 times, over 2 days when we were supposedly being sent to superviser s.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Launch Financial Group, LLC (NY)

Launch Financial representative, XXXX XXXX refused to send me a loan rate sheet describing the amount of the loan, terms of the loan, interest rate etc. 
I have an email from XXXX, stating he " found an investor to take my loan '' but he would not furnish me any information. 
When I asked for a loan commitment letter, I was confronted with the statement, " you do not have {$210000.00} to put down ''. 
I had no clue where this amount came from, or how XXXX, decided I didn't have that amount. 
I repeated ly asked for this information from XXXX and when he would not comply, I wrote to the Company CEO, and asked for the information
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX XXXX XXXX ( Bank ) XX/XX/2022 - TRANSUNION XXXX ( Miscellaneous ) XX/XX/2022 - TRANSUNION
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.