davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma (FL)

An unknown individual set up a fraudulent account and scammed my employer on XX/XX/XXXX into transmitting my paycheck ( {$3200.00} ) to the fraudulent account on XX/XX/XXXX by forging an employee direct deposit authorization form with with my first and last name and an electronic signature of my name as well as the routing number, account number and name of the bank ( MVB Bank ). My representative and I contacted XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX to report the opened bank account with them as fraud. We initially spoke to XXXXXXXX XXXX XXXX XXXX who informed XXXX based on the routing and account number provided, that this was for a Credit Karma based debit account and XXXX  had no access or ability to look up these accounts. We were instructed to reach out to Credit Karma, which we did, and spoke to XXXX. XXXX informed us that there was no banking account under my name, last four of SSN, or with the full routing/bank account number that we provided to her. She stated that she was going to escalate the matter to Credit Karmas fraud department, which based on an email I received, she has done. She then instructed us to call XXXXXXXX XXXX as they would need to be informed about this fraud, which again, we did. This time we spoke to XXXX who issued the same advice we initially received from XXXX, which was to call XXXX XXXX and report this. We explained that we had already done so, and that XXXX XXXX instructed us to let XXXXXXXX XXXX know of this matter. I had XXXX XXXX for the account in their system with the full account number, which did not generate anything. XXXX told us she would be escalating this matter to the XXXX department at XXXXXXXX XXXX, which would reach out to Credit Karma to further investigate. We were told by both XXXX and XXXX that Credit Karma would reach out within three business days to further discuss the findings with me. They were supplied with my phone number to reach out to me once the appropriate person was assigned to the matter. As of today, XX/XX/XXXX, neither XXXXXXXX XXXX nor Credit Karma has responded to me regarding the fraudulent account.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

a company name is XXXX stated the official website is XXXX XXXX XXXX offered me a join of submitting reviews stated the work website https : /utility-top.com. these people made me deposit money to release my earnings and get more work and then i will get paid for everything. they wouldn't let me take my money eventually after lots of promises. i put XXXX $ into this and now they want me to deposit another 2000 $ to get my money back!. i asked my bank to dispute transactions they refused stated i authorized the transaction. even when i explained everything to them they refused to dispute the funds. i believe that is not fair. I bank with chase.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I received notice yesterday from XXXX XXXX that they increased my XXXX because they said that Experian reported a score of XXXX to them, based on four items : Lack of recent installment loan information Ratio of balance to limit on bank revolving or other revolving accts too high Too few accounts currently paid as agreed Amount owed on revolving accounts is too high The third item is incorrect. Please see below. 

As to each item : As to the first item, I simply do not have any installment loans or other long-term debt except a HELOC with a {$20000.00} balance, so I concede that there isnt information on such loans. 
As to the second and fourth items, I am planning a two-month trip to XXXX and have charged much higher amounts to my credit cards than usual, so the ratio of amount owed at any one time may he in relation to credit limits.

BUT as to the third, I have paid everyone one of the credit cards in full each month on time and as agreed, including all the recent higher charges for my XXXX trip. I have no accounts unpaid. In fact, I pay them in full every month and have never paid a cent of interest to a credit card company. Experian telling XXXX XXXX that I have too few accounts currently paid as agreed is untrue. 
o Please note also that I have attached a screen print from Experians own website that shows that every one of my credit cards and loans shows as Never late. Despite their own records, they told XXXX XXXX that I have too few accounts paid as agreed. 

I would like to say that I did attempt to dispute this on Experians website, but the only disputes you can file online are if the information on a specific creditor is incorrect. They have no way to dispute their own errors. 

Their negligence in reporting that I have accounts unpaid as agreed is shocking.
Consumer complaint received 2020-01-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

equifax will not accept a dispute, on line or phone, they put me on hold half hour and say they can not find my file, they are reporting incorrect info to my file
Consumer complaint received 2020-01-07
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: Garcadia Financial LLC (GA)

I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA both did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX XXXX  I FILED A XXXX XXXX DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is a follow up for COMPLAINT # XXXX. I have reviewed my consumer report and found the following accounts are reporting inaccurately. These accounts are reported as late payments, unpaid balance and potentially negative. Credit reporting agencies have a duty to report consumer information to the best of their ability with 100 % accuracy! Please perform a thorough investigation and provide me with proof of these inaccurately reported accounts. If proof can not be provided, I demand these accounts to be corrected as positive and on time payments and zeroed out balance. 

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX XXXXT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00}
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

On XX/XX/XXXX I dispute a charge for XXXX dollars because the salon ruined my hair and they didn't advertise no refund and refuse to return my money I sent chime bank All the information and evidence needed and several times I rebuttal my dispute and they never used the information I gave them and I was denied every time
Consumer complaint received 2022-11-11
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On two separate occasions, roughly a year apart, I have sent a request to my servicer, Lakeview Loan Servicing LLC, to have my PMI reviewed and waived with no response from the servicer. The first instance, around XXXX of XXXX, it took at least several weeks to receive a response to my written request, and this was only after I called the servicer to inquire about the delay. The servicer 's reference number for this instance is XXXX. 

The second time, beginning in early XX/XX/XXXX, I again followed the servicer 's instructions for PMI inquiries to no avail thus far. It has been over a month without any acknowledgment, save for the reference number. The servicer 's reference number for this instance is XXXX. 

The 80 % LTV estimate date the servicer is using is painfully conservative. I have argued this clearly and would like to know what my options are for having PMI removed at this point since I am well past 80 % LTV.
Consumer complaint received 2020-01-06
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. (NY)

After filing a complaint with your office regarding an incorrect collection account on my credit file, I received notice from you and from the collection co ( XXXX XXXX XXXX ), I called Equifax and they refused to confirm for me that it was removed from my file. Your complaint number is XXXX. I spoke to two representatives with Equifax today, and both gave me the run around and refused to provide me the information I requested. They said I needed to send documents in to confirm my identity, even though I already sent in my drivers license, ss card, etc. at an earlier date. After I did that, that is when i found the incorrect account. I provided my current address, previous address, ss #, full name, and date of birth to them, and they still refused to simply confirm the removal of the illegal collection account.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I have been trying to clean my credit, I signed up for credit alerts with XXXX. A company by the name of XXXX shows up on my credit report. I never got a letter I never got a phone call and turns out this debt is over ten years old. I disputed it through XXXX dispute process and they have sided with this company. According to the FDCPA and FCRA both XXXX   and XXXX  are in violation of the law. I was supposed to be notified and given a chance to dispute this account. No notice was given, not to mention XXXX is not allowed to report anything over 7 years
Consumer complaint received 2020-01-07
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION (AL)

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 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I sent two {$180.00} payments to XXXX XXXX, user name $ XXXX, phone # XXXX, email address : XXXX, through CashApp for tickets to the XXXX XXXX concert XX/XX/2024. ( I thought I had done my best to vet out the seller, XXXX, after speaking with him on the phone, via XXXX and email ) Tickets were sent and were very convincing fakes ) I was sent false tickets that were denied at the door. I have tried reaching out to XXXX multiple times with no response. My bank was notified on XX/XX/XXXX immediately after finding out the tickets were fake. My bank said I needed to work with CashApp to get a refund. I have followed CashApps procedures to get a refund and XXXX is not responding to those either. I have reached out to CashApps customer service and they said to just keep trying to get him to refund me, that there was nothing they could do and that I just shouldn't have sent the money. I asked to speak with a manager higher up the chain of command and was told none were available and they would only contact me via email. I am still waiting for a managers email. Upon researching further the user $ XXXX is a serial scammer on CashApp. I am not the first person who fell for his scam and yet CashApp continues to support him receiving money. They are a company who are openly supporting criminal activity.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to you Equifax requesting these old addresses and incorrect spellings of my name be removed from my credit report.
Consumer complaint received 2020-01-07
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: BEXIL AMERICAN MORTGAGE INC. (AL)

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 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Kenosian & Miele, LLP (CA)

This letter is my formal dispute notice regarding XXXX cases that refers to the XXXX  XXXX XXXX Acct ( XXXX ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXX ll, XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX XXXX XXXX. Levying XXXX. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied.

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX XXXX XXXX. We have tried to XXXX XXXX  XXXX XXXX for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( XXXX ) XXXX pages in the mail from the XXXX department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( XXXX ) XXXX pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

a Macys credit card was used that I did not authorize with left a balance and a charged off account. I do not own this debt, I tried contacting the merchant and filing disputes but they did not assist me with rectifying the account.
Consumer complaint received 2022-12-27
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. (IL)

I went to XXXX XXXX and bought a used XXXX XXXXXXXX. Walking into the facility, I was already approved by XXXX for an auto loan. All I had to do was get the total estimate and they would write the check and one day ship it to the dealership. When I was sitting in the seat, I got a notification and it said my credit had been ran. I asked the XXXX XXXX about it and he said oh we run it one time just incase your check doesnt go through.After a couple of weeks, I receive a letter in the mail from XXXX XXXX XXXX saying I was denied a loan from the dealership when I was never financing through them and had a loan. And then I had 2 hard inquiries on my credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (CA)

Company went on a Class action Lawsuit for Charging unconscionably high interest rates ( APR ) on its loans, and ending money to consumers without a California lender 's license. 

Please have remove this account from my credit report because its hurting my credit worthiness.
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WA)

I pay my total due for {$33.00} to Comenity Capital Bank ( Sephora credit card ) the due date was XX/XX/year>2024 and I transfer this total amount {$33.00}. Today I have a balance for {$64.00}!? I called to the bank and asked why? They told me I did the transfer after XXXX XXXX  pacific time and thats why they charging g the {$64.00} dlls fee, mo solution, nothing to do about it, just pay this fee. This is a fraud!! How can law permit this charges!! I dispute this charges and demand a resolution!!!