davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MN)

This is not a complaint on you. I have been getting emails about someone disputing with the reporting agencies in my name I was wonder if you show any disputes from any of the 3 reporting agencies in my name? Just really worried if you could please let me know
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

My account was defrauded by someone unknown funds taken without my knowledge. Now my SSI has been hijacked by Wells Fargo even after I notified them of the fraud. I have been told they refuse to do anything to help me and in the meantime I have XXXX and am XXXX can not eat or pay bills. I am about to be evicted. I need help.
Consumer complaint received 2019-06-12
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. (MA)

I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to XXXX me and XXXX my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.
Consumer complaint received 2023-04-03
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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/, A store manager from a furniture company, left a voicemail on my husband cell phone for me to contact her in regards of a new account that was recently opened in my name. On XXXX, I contacted her via phone in regards of the new account that was recently opened. She informed me that furniture were recently bought on credit at a Furniture store. I informed her that I have not opened any new accounts or bought furniture at any stores. She said she had a feeling something wasnt right because I live in a totally different State. She gave me the account number and address the furniture was delivered to. She said they have been getting a lot of identity theft lately due to people being able to fill out applications & get approve on the internet. She sent me an email with her store information. I called the police in their State but was informed to contact the police where I reside at and then they will be able to investigate the case.I looked on my credit report and that person was approved for XXXX by the lender._________________
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/2020, my wife and I met with a loan specialist at Fifth Third bank in XXXX XXXX Ohio. The gentleman promised us a new mortgage rate of 3.89 % if we refinanced our loan with him. 

We submitted all information requested including paying our HOA a fee for documents requested. We were told that we had been approved, but the process was delayed by underwriting. For five months we waited.

The branch manager apologized and told us that the rates had actually dropped so we'd be getting a better rate, just to be patient. At the end of XX/XX/2020, the loan specialist called to notify me that we had moved to closing. But when I asked about the lower rate we had been promised. He told me that the rate had actually increased to 4.29 %.

When I questioned this with the branch manager he made multiple excuses and was rude. 

I believe this to be bait and switch tactics and will never consider doing business with Fifth Third in the future.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weber & Olcese, PLC (MI)

XXXX My entire bank account was emptied bc of a judgement taken by Weber Oclese law firm. 
The debt is XXXX, owed to the State of Michigan for back taxes. I do not recall receiving a judgment or information regarding t
his debt or else I would have made an attempt to rectify it.

According to your website, a garnishment should leave some money in the bank. But everything was taken.

I have 3 XXXX. No job and a XXXX  with medical needs. Nothing was taken into consideration when garnishment was taken.

I attempted to call the rep assigned to my case but he didnt call back nor answered the phone. I called multiple times throughout the day.

Its so wrong to take everything I had. I need to borrow money to just feed my family at this point. And Im not sure when they will come back for the remaining amount.

Such predatory measures taken. Its sickening.
Consumer complaint received 2020-09-16
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. (MA)

Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage XXXX % Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX  XXXX, MO XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (MI)

On XX/XX/22 I received a notification of two hard inquiries from XXXX  - XXXX XXXX XXXX XXXX XXXX as well as one from XXXX. I've contacted both to report fraud and cancel the applications. Also all the appropriate steps were taken such as freezing my credit and creating identity theft alerts at all 3 credit bureaus. Equifax who XXXX XXXX and completed their dispute with the results that the inquiry was " factual. " XXXX was great about investigating and removing the inquiry almost immediately. I have high hopes for XXXX. 

Thank you so much! You guys rock for what you do!
Consumer complaint received 2022-08-16
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. (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

on XXXXwas on the phone with the XXXX XXXX XXXX XXXX  trying to get my computer fixed. The rep. I was talking to was XXXX XXXX, who transfer me to a XXXX named XXXX XXXX. His Id # was XXXX XXXX  SUPPORT. He worked on my computer remotely. After hour of working on my computer he told me that he I needed a part that cost XXXX in order to fix my computer. So I gave him my credit card number to buy the part and he said it would take a little more time to fix the problem. He then told me he was working on two account at the same time and charged a lap top to my account for the other person in the amount of XXXX dollars. I told him to rein burst me the money. He told he had send the money to my checking account. Than he said he made another mistake and sent me XXXX to my account. He told me that I needed to sent him back XXXX dollars through a International wire transfer to a XXXX XXXX XXXX. I went to my bank to have this checked out and found out that he was into my saving and checking accounts. The bank shut down my accounts right away to stop him from getting my money. I went back home and called the credit card company to report a Fraudulent charge. Now the Chase Slate credit card company is denning my claim. They said the charge was to XXXX XXXX and I benefited from the charge. I did not receive anything from this charge and I called them with in 24 hours of the charge to let them know I did not make that charge so I don't feel I should have to pay that money.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX. Address Information : - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing.

As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. 

Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I have a freeze on all three credit bureaus and yet I checked my credit and I have another fraudulent account on my credit report XXXX XXXX I have no knowledge of this account and also confused of how it is on my reoport when I have a freeze on all 3 credit bureaus
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (NJ)

n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy CourXXXX XXXXXXXX XXXX  case # XXXX 15 U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I withdrew some money from a brokerage account ( XXXX ) of mine to my Chase checking account. The withdraw triggered fraud alert on the XXXX side and XXXX recalled the fund that already has been transferred to my Chase checking account. After a manual review with XXXX, they were able to determine that it is indeed me accessing my own money and the fraud alert was cleared. They returned the fund that was recalled from my Chase checking accounts directly back to me. 

However, Chase froze my checking account due to the fraud alert from XXXX side, and refused to unfreeze my account even after XXXX finished investigation and returned my money. Chase is withholding {$5400.00} of my money for over five months now.

I communicated multiple times with Chase, offered to submit documents from XXXX to prove there is no fraud going on, but Chase didn't even want to take a look at those documents. They claim all they will do is to wait for communications from XXXX that the account is not involved in fraud, but from XXXX side they have long concluded their investigation and returned my money. XXXX told me they are unable to influence other bank 's behavior. 

Now my money in my checking account has been frozen in limbo for over 5 months, and Chase is still " waiting '' for XXXX, at least that is what they told me.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy XXXX XXXXXXXX XXXX case # XXXX XXXX U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc. (WA)

I was seen at the XXXX Hospital ER for a XXXX XXXX back in XXXX of 2019. Despite our best efforts to ensure we were going to an " in-network '' care provider with XXXX XXXX ( XXXX ), we discovered after the fact that while the XXXX Hospital ER is in network, the physicians group ( XXXX XXXX XXXX ) that is contracted to staff the ER is not in network. As such, we received a full billing ( no insurance adjustments ) from the XXXX XXXX XXXX ( XXXX ). We called to dispute the billing and XXXX directed us to contact XXXX. We contact XXXX who explained that in instances such as this, a third party company gets involved to negotiate the final billing, and it would take 90-120 days to resolve. After proceeding with this process, we received no EOBs from XXXX and no revised invoices from XXXX. Last week, we discovered we are being sent to collections by XXXX for non-payment of the portion of expenses that XXXX XXXX will not pay for an " out-of-network '' provider. I called to determine why I was being sent to collections when I hadnt been informed that the bill had been finalized, and XXXX claims to have sent two notices which were not responded to and they are not allowed to call patients regarding outstanding balances. XXXX offered no recourse to resolve the issue other than to call XXXX. I called XXXX and according to their records, XXXX is trying to collect {$96.00} more than I am actually supposed to pay. XXXX   offered to conference call XXXX to reconcile the account, but XXXX has message indicating it may take as long as 30 minutes to get a represenative on the phone, and XXXX is not able to wait on hold that long. XXXX instructed me to call XXXX, have them revise the bill, which should remove it from collections. I called XXXX, and they said XXXX  is wrong, and they would not be able to remove the billing from collections, and they would not revise the total amount owed by the {$96.00} in question unless it was approved by another department within XXXX, which could take several weeks to process. They said i would not receive an updated invoice, rather the collections agency would receive revised amount. I called the collection agency ( Renton Collections ) to dispute the amount, which is now accruing interest at 9 %, and they refused to place any hold on the interest accruing or reporting the overdue amount to credit bureaus. I feel like I am caught between 3 institutions, none of which clearly or effectivley informed me of my obligations to be paid, nor are they providing me with any recourse to resolve the situation without accruing interest or paying the bill in full. The amount in question, which has still not been resolved is {$870.00}.
Consumer complaint received 2020-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (CA)

I have had 6 Hard Credit checks in the past year, the 4 most recent ones are all fraud and have significantly impacted my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried contacting the companies, they tell me they denied the credit and there is nothing they can do, so they instruct me to call Equifax, XXXX, and XXXX. I have done so and placed freezes on all my accounts. They tell me to contact FTC to remove inquiries. The FTC tells me to contact CFPB. This is NOT an easy process for someone just trying to block/report fraud. 

I have uploaded docs from XXXX, and XXXX XXXX ( who didn't hard check my account probably because I already bank with them ). I will continue to reach out to XXXX, XXXX XXXX and XXXX XXXX, but they make it VERY hard.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on XXXX credit bureau he made his phone primary also created an alert / freeze under that phone number
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

wells fargo bank advised my title company XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Tel that the amount needed to pay off my home mortgage loan was {$140000.00} when in actually the payoff was {$140000.00} the first amount they said included interest and they supplied a payoff letter that I will be forwarding to the IRS for the interest it appears they are manipulating numbers and in addition they did not respect my privacy giving my personnel cell phone number to a XXXX appraisal company that called me I asked who gave you my number the lady advised wells Fargo did their telephone XXXX XXXX received several calls from this business and a technician I never called them or requested their service violating privacy rules my real estate agent and the title company mentioned above stated that working with wells Fargo was a nightmare they stated it appeared they did n't want the property to sell and go into foreclosure this is my complaint I will continue with a complaint to the XXXX.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP ()

I am an American citizen living abroad. US Bank unilaterally closed my account and sent me a regular letter dated XXXX/XXXX/2016 that arrived in XXXX after the date of closure XXXX/XXXX/2016. I was told that the account was closed because my primary residence was outside the XXXX. No provision was made for outstanding credit card payments or loan repayments. The bank check of my funds could not be mailed outside the US. They refused to reinstate the account until another solution could be found or other arrangements be made for the payments coming out of the account. At no time was my account in overdraft. They accepted an online check deposit 2 weeks earlier. They had my email and phone but made no attempt to contact me earlier.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.