davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2017-09-08
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. (CA)

Equifax has unintentionally released my credit information. I am on the potential list of victims who 's information was compromised in a hack. 

In addition, when offering service to further protect me from fraud, Equifax has hidden language in the EULA agreement that I can not sue personally or join a class action against Equifax.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (ME)

By letter dated XX/XX/XXXX Wells Fargo Bank requested additional information regarding my credit card application because they were purportedly unable to confirm my identity. I am a US citizen with a real ID drivers license and a passport. I have lived at the same address for 35 years in Maine. I called the indicated phone number XXXX and the bank employee told me to mail in a copy of 1 ) my photo ID drivers license, 2 ) copy of a current electricity bill showing my name and address and 3 ) copy of a current water utility bill showing my name and address. I sent these copies by US mail on XX/XX/XXXX to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX IA XXXX. By letter dated XX/XX/XXXX Wells Fargo indicated they had received my request to reevaluate my credit card application but denied the request because my " identity can't be verified. ''
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

Company : 11 XXXX and Source Reviewable Management Debt : {$400.00} Violation : This debt is no longer my obligation under federal law18 USC 8. The company XXXX has forwarded this debt to a debt collector without my consent.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Experian which is still showing the amount of {$100.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On two separate occasions my personal savings account has been locked, without my consent or notification by Chase Bank for fraud claims made by a family member. First occasion was on or around XX/XX/2022 and the most recent event was on or around XX/XX/2022. Both times I was advised that my father who is a terminally ill XXXX and XXXX patient, for whom I am the XXXX  for and have Power Of Attorney of both Medical and Financial concerns, contacted a branch for unknown reasons and subsequently a fraud investigation was opened. On the first occasion I was able to have the matter remedied after numerous calls and visits to my local branch. My account was then locked again without my knowledge and I was directed, again to a fraud investigator, whom would not supply me with her full name, office location, case number, email address or any other information verifying who she was. She made unfounded accusations towards me concerning the care and wellbeing of my father. She repeatedly stated the reasoning that he claimed I had stolen his money and notified me that I had to provide her proof of how and why I spend my own personal funds. I repeatedly asked for her to give me her supervisors name and information, to which she refused and became agitated when I kept insisting. She told me that until I provide her proof of my fathers condition that my account would remain locked. I am embarrassed, appalled and infuriated that my morals, motivations and reputation is being called into question by a nameless, faceless representative of this bank and that I am unable to have a say in the matter. I can provide full proof of my fathers condition, my POA 's but I feel that these are unnecessary steps to reclaim what is rightfully my funds and that were improperly withheld from me. I expect a full reversal of the closure as well as a written explanation and apology from this representative as well as the supervisors over her.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-03-17
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: CITIZENS FINANCIAL GROUP, INC. (UT)

There was an inquiry that hit my XXXX credit report of Citizens for XX/XX/22, I am a victim of Identity theft. We tried talking with Citizens but the are unable to find anything but it is on my credit report. I have a police case number XXXX
Consumer complaint received 2022-12-16
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. (NY)

Experian is showing improper use of credit. 
displaying in correct paid closed accounts. negatively which is violating the following bcc laws 604 u.s code 1681 b section 605 a 15 u.s code 1681 c-1 section 605 b 15 u.s code 1681 c-2
Consumer complaint received 2022-03-17
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. (CA)

Facts : 1. I have never activated my card ending XXXX 2. I have not authorized any charges on XXXX XXXX on my card ending XXXX a. XXXX XXXX {$1000.00} & {$6000.00} bXXXX XXXX XXXX {$8000.00} cXXXX XXXX XXXX {$3000.00} & {$4000.00} 3. I informed you about the fraudulent charges as soon as I found out.

4. I did initiate the charges on the following charges on the card ending XXXX as a replacement for the card ending XXXX after filing the report 5. I've also made the payments to cover my charges : 6. The card ending XXXX was sent to my business office, which we shared with the owner of an LLC called XXXX. However, I've asked the owner multiple times, and he confirmed that he had never seen my card or made any charges. I doubt someone had my card and info there, but I'm not sure. 

Clarification : 1. Looking at the police report, number XXXX, I noticed the sentence At no time did Ye open a line of credit nor gave anyone permission to. Please be advised the narrative was prepared by the police officer after my visit, so I had no visibility on why he added that sentence. As you can see in all my documents and testimonies, Ive never denied the fact that I opened the Credit card. 
2. I have never received a card ending XXXX nor authorized anyone to activate or use this card. 
3. Card ending XXXX was sent to the office address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. I discovered the charge while I was using Online banking and called XXXX at Chase right away to dispute the charges and asked Chase to update the mailing/ billing address from my office to my home. 
5. Card ending XXXX was issued to XXXX XXXX and mailed to my home address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 6. Card ending XXXX was activated by XXXX XXXX. And we recognize all the charges on that card. Thats why we are not disputing those charges. 
7. XXXX and I can confirm that we never made the charge of the {$22000.00}. 
8. XXXX and I have not been in the office since the pandemic since all of my work can be done remotely now. Therefore, theres no way we had obtained the card and committed charges. 
9. As I mentioned above and in the police report, I suspect my neighbor, XXXX XXXX, who resides in the same office made the fraudulent charges since he owns an LLC named XXXX. However, Ive asked him several times since the incident ; he said he never touched any of my letters or documents. Since now Chase has the police report, I would love to see if there are any actions Chase can take to investigate. It is very important for me to know if I can continue to trust and work with my neighbor.
Consumer complaint received 2022-03-17
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)

XXXX XXXX XXXX has been unwilling to correct this and remove the 30 day late from my credit reports. 

I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported 30 days late to each of the three Credit Reporting agencies. 

It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (WI)

I have been trying to close my account with Gemini Trust Company , LLC via my account login on Gemini.com for over 3 weeks now. I have followed all instructions on how to close account but it never gets closed. I have emailed them per their " contact us '' to find out why my account won't close but never get a response from them. I believe that their account closure procedure is just there to meet requirements that they must provide a way to close your account but in reality it is just a facade that does nothing!
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MS)

City Bank, for Best Buy ; this Company went into my checking account and took money out for a payment I did not authorize and they kept my banking information without my permission they stole money from me and my checking account was overdrawn for XXXX Dollars so they stole my information they need to be investigated for embezzlement and fraud.
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

Rocket Mortgage ran our annual escrow analysis in XXXX of XXXX and claimed that we had a deficiency of {$1500.00} which we paid in full. Rocket Mortgage then ran an off schedule analysis 5 months after the initial escrow analysis which ironically coincided with the payment of our insurance for the year. No one asked them to run an analysis, we were told by the lender that they had to pay out more money than they expected because the policy amount increased. We then received notice that our payment would go from $ XXXX/month to $ XXXX/month if we didn't pay the deficiency {$230.00}. This is just 5 months after the initial analysis. They claimed that if we paid the deficiency then it would only go up to $ XXXXmonth, which is still {$20.00} than what we were paying after only being in the escrow year for only five months. We made a payment of {$1200.00} directly into the escrow account. We have spoken to several representative and have even had our concerns escalated to a senior representative that told they are following the guidelines of RESPA. I have yet to find any information under RESPA laws that state that a mortgage company can run escrow analysis whenever the bank pays more than expected. To add insult to injury, the escrow account had more than enough money to cover the fees. In fact when the taxes are paid in the next 2 months, the entire amount will be covered by what is in the escrow alone and pay mortgage insurance that they pay out each month. The bank refuses to remove the deficiency off the account despite our having made a payment of more than tripled what our supposed deficiency is and are trying to charge us each month for that deficiency. They also can not explain when exactly we had a shortage in the account. The balance has remained over {$2000.00} the entire year. We were even told that regardless, we were going to be short when the next analysis would run. Despite our best efforts to resolve the issue Rocket Mortgage, we keep hitting a brick wall.
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (MN)

I opened a checking account online on XX/XX/22 with XXXXMorgan Stanley XXXX They allowed me to mobile deposit 2 checks, 1 from XXXX XXXX for closing that account and the other being my MN XXXX XXXX. Both checks cleared and posted to my account totaling {$3500.00}. Then the bank decided to freeze all my funds for no reason at all. I was instructed to call to fix the issue. When I called I was told to write a letter requesting that they look into why my account was frozen and upload it along with my state ID. I had to renew my MN DL in XXXX and still haven't received my hard card yet so I had to upload my temporary paper government issued ID with the letter. They refused to use that as a government ID. I called them 5 times in 2 weeks trying to get my funds unfroze to no avail. So I finally just requested that they just close my account then and return my funds to me. They are refusing to return my funds and close the account now as well.
Consumer complaint received 2022-03-18
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: DISCOVER BANK (NY)

XX/XX/2022 TO : Consumer financial protection board ( cfpb ) RE : Credit card theft by XXXX account registered under email address I am lodging a formal compliant of credit card theft against the payment system XXXX, aided and abetted by Discover card. 

I have accounts with both companies. I have the XXXX account ( under email address ) purely for an occasional convenience and rarely use it. But XXXX on about XXXX stole a credit card authorization on a Discover card I own. Prior to XXXX, I had received a couple of email notices from XXXX that a Discover card on my XXXX account was about to expire and that I should update the card which is all that the notices said. I ignored the notices as I wanted to let the card expire after which XXXX would no longer be authorized to use it. I never received a notice from XXXX detailing any consequences or actions the company would take if I allowed the card to expire. I NEVER AUTHORIZED A RENEWAL OF THIS CARD FOR THE XXXX ACCOUNT. Nonetheless, I received an email from XXXX on XXXX notifying me that it went behind my back with no authorization from me and updated this card to renew it. The XXXX notice is attached. 

Credit cards have expiration dates because payment agreements by customers are NOT perpetual with any vendors or payment systems. Customers carry the legal obligations of debts and by that they have full and total authority over any and all authorizations of credit with vendors or payment systems. 

NO XXXX  actions can not be legal. When someone dies or is incapacitated or just no longer wants a previous payment arrangement, they have a right to have a financial charging agreement die with the expiration dates. Their cards can not be endlessly renewed and/or charged by a vendor of any type. 

I do plan to completely terminate my account with XXXX. But if I do that before this theft complaint is investigated, XXXX could claim that I never had an account. This is a HORRIBLE, NIGHTMARE company that makes customer complaints disappear and preys on consumers. 

Respectfully submitted
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

I.C. SYSTEM, INC continues to file major derogatory claims against my credit on behalf of XXXX, a medical provider who has repeated sent fraudulent medical bills for services they confirmed were never rendered during the birth of my baby in 2020.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having respiratory problems- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband 's income as enough and we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue the maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in my bonus and commission income. It was starting to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest rate to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Chase.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

I have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.
Consumer complaint received 2022-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and trans union are reporting a debt collection but both have different open account dates.Thats not me.