davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Dear Consumer Financial Protection Bureau, I am writing to address a matter of significant concern regarding the debt collection activities undertaken by XXXX XXXX XXXX XXXX XXXX in connection with the alleged debt associated with my credit report. It has come to my attention that there may be a serious lapse in compliance with the laws of the state of Wisconsin regarding debt collection licensing. 
Upon recent examination of the relevant state regulations, I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX not possess the required licensing to conduct debt collection activities within the jurisdiction of Wisconsin. This letter serves as a formal request for the Consumer Financial Protection Bureau to enforce a cease and desist of all collection activities immediately from XXXX XXXX XXXX XXXX XXXX. 
It is imperative to bring to your attention that XXXX XXXX XXXX XXXX XXXX engaging in debt collection activities without the proper licensing is a direct violation of the Wisconsin state law. 
Your immediate attention to this matter is crucial, and I appreciate your cooperation in ensuring that all actions undertaken by XXXX XXXX XXXX XXXX XXXX align with the legal requirements of the state of Wisconsin. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2019-03-20
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. (TX)

I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two years.
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX has locked the member out of the account and has disregarded the request for the member to transfer there funds electronically to another account. It's not Navy Federal who is withholding the funds but XXXX XXXX. Therefore, I am making a complaint personally against her.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I FILED A COMPLAIN ON XX/XX/XXXX REGARDING THE ISSUE WE HAD WITH CHASE BANK SINCE LAST YEAR. 
ON XX/XX/XXXX CHASE BANK SENT US A LETTER STATING WE WILL BE RECEIVING THE MONEY BACK WITHIN 30 DAYS. Today, XX/XX/XXXX WE HAVE NOT RECEIVED THE FUND YET. 
SOMEONE NEEDS TO LOOK INTO THIS ISSUE, CHASE BANK IS TAKING ADVANTAGE OF PEOPLE WHO DONT SPEAK WELL ENGLISH. 
ITS A FRAUD! 

BELOW IS MY FIRST COMPLAINT REGARDING THIS MATTER. 
On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around USA. Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. I requested a dispute with XXXX XXXX, and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that OFAC has issued a license to JPMorgan Chase Bank to release the funds. XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Since 2009, I have been requesting that Transunion add my XXXX XXXX account to my credit history as it is main credit card. When I make a dispute regarding this missing entry they tell me to call XXXX XXXX and tell them to report it. I have repeatedly done so and XXXX XXXX has been reporting it over the past 8 years every 90 days. I have cooridating several calls between Transunion and XXXX XXXX and they agree to report it on the phone and tell me to wait 90 days for it to appear, which it never does. As a result of them repeatedly denying this credit entry my score is XXXX point lower than the other XXXX credit bureaus and I repeatedly get denied for credit. Most recently I was apply for XXXX XXXX to help pay for medical procedures/bills and was denied because they only check Transunion. I can not get Transunion to cooperate. Thank you.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously reported this account 3 month ago this company reopened my investigation after completing and resolve my investigation and reinserting these accounts on my credit file.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have my rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-15
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 30-60 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 2020-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (IN)

My sister received a call for me. Somehow. Because I've never given anybody her number. I called. A lady answered " Hello ''. That was it. No business name or anything. She tried transferring me to somebody, but I got a voicemail that still didn't tell me who I was calling. I called back. Another lady answered " Hello, this is XXXX ''. I gave her my name. She told me they're the collection agency for Elan Financial. She then proceeded to give me my date of birth, social, previous addresses, and previous employer .... She seriously just gave me all that information. Anybody could've called and said they were me, and she would've given them all the information needed to steal my identity. I use to work in collections, and I'm 99.9 % sure that's illegal.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-21
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: CCS Financial Services, Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXXXXXX ARIZONA XXXXXXXX
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

The physicians that they claim I saw do not exist as a group. I called the phone number and wound up on the phone with XXXX XXXX who stated it was the janitors room and they receive the same call every day, several times a day. I believe they are fraudulent and the debt they are stating I owe, if it is real, should have been processed through XXXX. I believe they cant process it through XXXX  because the original debt does not exist.
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (NV)

XXXX XXXX is marketing for Keller  Mortgage in a non compliant and deceptive manner. I have attached and ad found on Facebook. This is from a XXXX XXXX agent and is marketing Keller Mortgage without stating who is co-marketing ( Agent is paying 100 % of the marketing to generate the leads for mortgage ). Savings are being offered but not disclosed where those come from and who is providing them. The ad fails to mention there are ZERO savings if you don't use a XXXX XXXX XXXX and still use Keller Mortgage. The ad fails to disclose there are ZERO savings if the mortgage is under {$150000.00} ( Disparate Impact ).
Consumer complaint received 2021-02-12
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. (AZ)

Primary Party or Firm Information Name : Chase XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Phone : XXXX Website Address : XXXX Complaint Chase advertises zero fraud liability, yet refuses to reimburse me for charges that I DID NOT MAKE. There excuse is that ONLY THE CARD HOLDER could make these transactions since these are chip card transactions. Even though Chase acknowledges fraudulent activity HAS OCCURRED for SOME TRANSACTIONS ON THE SAME XX/XX/XXXX STATEMENT ( for example, Chase has reimbursed transaction XXXX XXXX XXXX XXXX in Virginia on XX/XX/XXXX for {$60.00} ). However, Chase has refused to reimburse me for XXXX XXXX ( {$38.00} NEVER SHOP HERE ), XXXX XXXX  XXXX ( {$150.00} where normal shopping is $ XXXX {$40.00} ), XXXX XXXX XXXX  # XXXX ... ( 2 ) transactions for {$150.00} and {$24.00} where I SHOPPED ONCE FOR {$7.00}, XXXX ( XXXX XXXX XXXXXXXX XXXX for {$96.00} where normal shopping is $ XXXX {$12.00} ). ALL OF THESE TRANSACTIONS OCCURRED ON XX/XX/XXXX. ILLEGAL TRANSACTIONS WERE REPORTED TO, AND DENIED BY CHASE FRAUD DEPARTMENT ( SEE CORRESPONDENCE ) ON XX/XX/XXXX AFTER SEVERAL PHONE CALL DENIALS IN XX/XX/XXXX. 

Have you complained to the firm/agency/business? 
Yes What was their response? 
DENIAL OF FRAUDULENT CLAIM SINCE ONLY CHIP CARD HOLDER COULD INITIATE TRANSACTION Date of Transactions : XX/XX/XXXX Place of Transactions Stores in XXXX, AZ Total Amount of Damages : {$470.00} How can SOME, but NOT ALL, TRANSACTIONS BE REIMBURSED. IT IS OBVIOUS SOMEONE HAS AN ILLEGAL DUPLICATE CARD
Consumer complaint received 2022-06-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.
Consumer complaint received 2022-06-15
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. (LA)

I XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the XXXX XXXX # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I opened a loan with XXXX XXXX XXXX in XXXX  XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then XXXX was bought out by XXXX XXXX. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into XXXX/XXXX in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name XXXX XXXX. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with XXXX   and all loans with XXXX as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. XXXX, Equifax, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.
Consumer complaint received 2022-07-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-25
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. (DE)

My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.
Consumer complaint received 2022-08-25
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. (DE)

My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

I was issued an XXXX dollar refund to an old debit card but still my bank account. Wells fargo lost the XXXX dollars and is now trying to claim that they " refunded it immediately '' meanwhile the company I am working with and who has been extremely helpful has called there credit processing company multiple times and claimed that this has NOT been returned to them
Consumer complaint received 2020-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I'm in the process of refinancing my home with a company other than wells fargo but I can not get wells fargo to stop the automatic payment so that the company I'm refinancing with can pay off the loan with wells fargo. There is no option on their webpage to stop scheduled payments and I've spent the past 24 hours attempting to cancel the auto pay. I have spent hours searching the internet and reviewing wells fargo 's website for instructions on how to stop a scheduled payment, however I am not seeing the option to edit or delete a payment on my dashboard which all of Wells Fargo 's FAQs claim exists. 

Wells Fargo has consistently made setting up and modifying automatic payments excessively difficult. In light of Wells Fargo 's long history of deceptive consumer financial practices ( culminating in their disgraced former CEO being barred, for life, from the financial services industry ) I am horribly concerned that this is nothing less than a continuation of the ethical rot in Wells Fargo to wrongfully extract money from customers. Further, its likely that I'm going to have to fight for months with them to get my money back. I have no faith or confidence in wells fargo and do not trust them at all to make this right.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (NY)

I had a XXXX XXXX account opened for many years and have made regular payments. I have recently gone through financial hardship and could not afford to keep making payments. The amount owed seems excessive since I had to immediately leave the premises.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to XXXX removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need XXXX to correctly report the following which is the facts : I have had XXXX XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment. 

Please reflect this correct information to the 3 credit agencies ASAP. 

XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York XXXX