davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
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: Diversified Consultants, Inc. (DE)

Since the origin of the account /debt collection attempt dated XX/XX/2016 i contacted the debt collector directly diversified consultants as well as a representative of XXXX  . I telephoned the company and requested copies of the original documents proving the debt is mine, I have been a victim of identity theft and have a fraud alert on my account. i never received any documentation nor validation of the debt therefore. Diversified Consultant is committing fraud by innuendo defamation of character as well as slander additional to a long array of violations and illegal practices in accordance to the FCRA as well as the Freedom of Information Act.
Consumer complaint received 2018-08-02
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: Credit Plus Inc (LA)

THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXX XXXX XXXX - XX/XX/2017 CREDIT PLUS X3 - XXXX XXXX AND XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
Consumer complaint received 2018-12-12
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. (GA)

XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
Consumer complaint received 2019-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I am filing a new complaint after MoneyGram 's response to complaint XXXX. I will copy their response below. As you can see they have made some libelous claims against me, and the number and address they supplied to speak to Mr. XXXX have not worked out. MoneyGram refuses to contact me. Some years in the past I had a problem with XXXX XXXX because someone with my same name had caused some problem ; however, XXXX XXXX contacted me an we resolved my identity. The number MoneyGram supplied is a general service number out of the Country, but XXXX said he would email Mr. XXXX and ask him to call me which never happened. In addition, I sent several letters to the XXXX address. At this point I am simply trying to have a discussion with Mr. XXXX to find out why they have made these false claims. I hope you can somehow help me with they. I plan to spend whatever time necessary to correct MoneyGram 's error. 

This was their response : The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Dear XXXX XXXX, Your email on XX/XX/2019 to the Consumer Financial Protection Bureau via the online complaint portal regarding a MoneyGram online account has been forwarded to our attention. We would like to assure you that we are now investigating the issues addressed in your email. We will keep you updated on the progress of our research and will communicate back to you with a more detailed response once we have completed our investigation. While we are researching your concern, if you have any questions, you may contact us directly by e-mailing us at XXXX, calling us at XXXX or by writing to us at the address provided below. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. XXXX XXXX, thank you again for giving us the opportunity to respond to your concerns. We very much appreciate your patronage with MoneyGram and look forward to the privilege of assisting you again soon. Sincerely, XXXX XXXX XXXX XXXX Department XXXX MoneyGram XXXX Mailing Address : XXXX XXXX XXXX  MoneyGram XXXX , XXXX XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IL)

Chase sent me a letter stating that if I didn't use my card they would close it. Because of the letter, I went ahead and used the card ... And 2 months later the account was closed. Because of the account closure, my credit score dropped and will impact my ability to get a competitive rate. 

There is a clear disconnect between the claim that Chase made on the letter and the action that they took.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (IA)

Hello, I opened XXXX XXXX account on XX/XX/2022 under the following terms : - Direct Deposit $ XXXX every 30 days for 90 consecutive days - Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days After completing those terms, the account should be credited with the {$500.00} referral bonus.

I completed those terms already and still have not received the {$500.00} bonus.

Please advice.

Thank you!
Consumer complaint received 2022-11-30
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. (MD)

On XX/XX/2022 I made reservations for a round-trip flight for XXXX people with XXXX and United Airline XXXX XXXX  to XXXX on XX/XX/2022 and XXXX to XXXX - XXXX XXXX XXXX on XX/XX/2022. See exhibit A for details. 

On XX/XX/2022 I cancelled reservations within the XXXX hour time frame. 

On XX/XX/2022 XXXX confirmed my timely cancellation stating that XXXX payments of {$1000.00} will be credited back to my Chase XXXX XXXX XXXX XXXX within XXXX  days. See exhibit B. 

To date I have been charged XXXX times for the {$1000.00} and credited only XXXX  My Chase statement from XX/XX/2022 shows XXXX charges for {$1000.00} and XXXX credits. See Exhibit C. 

I have filed several disputes concerning this charge, the most recent on XX/XX/2022 claim # XXXX and have had XXXX feedback from the creditor concerning this. 

On XX/XX/2022 I called XXXX, once again explained the situation, and was told to upload documents. I was also told that a temporary hold was place on the {$1000.00}. 

On XX/XX/2022 I uploaded a letter with attachments. See Exhibit D. 

I now add to that letter of XX/XX/2022 Exhibit C from your own website which clearly shows that I was charged XXXX times and only credited XXXX. I do not owe this. There is no question that the re-bill from United needs to be reversed.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (TX)

at XXXX on XX/XX/2022, a man called me saying he was from a loan company called Freedom Plus and said I was approved for a loan, he asked for my banking information such as my account and routing number, my bank account login and password, my social security number, and he had my personal information such as where I live. He told me he was going to send me a loan of XXXX in 1-2 hours but first he would send me {$500.00} and I would have to cash app it back to him and then he would deposit the XXXX into my account. He said I would then receive the loan documents through my email and I would have to sign the documents and send them back. Once he mentioned XXXX XXXX I was alarmed so after the call ended I XXXX searched the company and called the number and they said that it wasnt true and it was a scam and to call my bank immediately and talk to them.
Consumer complaint received 2020-07-25
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2022-06-14
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: WELLS FARGO & COMPANY (CO)

I found out additional info because I really did not do this change. 

XXXX XXXX XXXX XXXX is a weed seller. XXXX XXXX is his name. ( XXXX ) XXXX. He is XXXX and had several addresses in XXXX, XXXX, and XXXX. The address that Wells Fargo provided of XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX matches his info which is located on the attached document provided. 

https : XXXX This charge hit my credit card the next day after I went to a local restaurant at the XXXX XXXX XXXX XXXX I have shared this info with Wells Fargo but no response. 

Former Complaint : A charge in the amount of XXXX from XXXX XXXX XXXX his my credit card on XX/XX/XXXX. I saw it on my statement on XX/XX/XXXX and contacted Wells Fargo immediately. I tried to call the number they provided for the vendor and it was a recording to contact your contractor directly and hung up. I called Wells Fargo on XX/XX/XXXX and filed a fraud report for the charge. They then said the charge was a famous Rock climbing place and was in line with how I go skiing with my kids and would not refund it and I would be liable for the charge. They then charged me back in XX/XX/XXXX. They gave me no other information, receipt or ways to contact this XXXX XXXX XXXX. I did not charge this or receive any services or even know who they are. I have tried to dispute again with Wells Fargo and they refuse. I have filed a complaint with the XXXX and gotten no where.
Consumer complaint received 2022-02-02
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. (IL)

The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX  XXXX 2. Opp loans 3. XXXX
Consumer complaint received 2018-04-24
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. (NY)

These items are on my Equifax credit report and I did not authorize these inquiries. I have disputed these inquiries with the companies and credit bureau and no action has been taken to remove these illegal inquiries. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Date -XX/XX/2019. USAA restricted any acces available to view and make transactions from my checking account, they restricted my debit card also. All of this without notice, I called them the same night and even the next day, they assured me it would get resolved within 3 business day, they did not provide me with any other information as to why they did this without notifying me. When I called on Friday XXXX XX/XX/2019 I spoke to a male usaa customer service rep and I then expressed my concerns with being able to purchase groceries for my XXXX small children and gas for my vehicle He then sated you will be able to use your debit card so I asked him for my avaiobalance in which he said XXXX ( I dont recal exact amount but it was over XXXX. I knew this was correct because my check from work had been deposited the previous day. When the call ended I was upset but at the same I felt ok since I was still able to use my debit card to take care of my kids and transportation needs. As I left work for the day I realized I needed gas to complete my 1 hour and 30 minute commute from work to home. My card was  declined at the gas station, I called usaa again and a lady on the line stated that the information was incorrect my card was also restricted.i was shocked and very upset, I depended on this company and trusted their word. Now I was left stranded far from home, I called several times even reached out to them on social media via messenger. They could not help me at all, and suggested I call friends in the area to loan me money.. I dont have family or friends nearby..I even begged with the representative to at least allow more use XXXX $ ( of my own money ) to at least make it home..but they cold not help me..I waited for a resolution and nothing..they basically said I was on my own and had to figure it out myself..I was left stranded and without any access to my own hard earned money or available friends or family to help me out. I was forced to beg for money from complete strangers for me to get home. I am a XXXX veteran   diagnosed with XXXX, XX/XX/XXXX as a result of a deployment in support of XXXX XXXX XXXX. This situation heightened my symptoms and I now that I am home with my kids, I am being forced to sell personal belongings in order to purchase food for my kids. All of this because I trusted USAA and left my money in their hands.
Consumer complaint received 2018-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (VA)

In or around XX/XX/2015 I purchased an enclosed trailer financed through lendmark financial services in XXXX XXXX Virginia. I was paying the loan down and the manager began calling me several times a day advising I was preapproved for a XXXX  loan just in time for XXXX of XXXX in addition to the secured loan on the trailer. Days went by and she continued to call. She said shed give me the title to the trailer if I took the personal loan. I paid for 3 years every month. After determining they essentially turned my lower interest secured loan into a high interest personal loan the amount never really went down. I feel their marketing was predatory. I hadnt asked for the loan didnt call back about this loan they were hounding me about. I didnt realize what had occurred and how they changed the structure of the loan. They then, despite giving them my new address via email and via over the phone and each time a payment was made they served me with a warrant in debt which I was unaware of. I found out when they garnished my wages and I had told them not to retain my payment and bank account information. I stopped making payments following an accident for which I now have permanent restrictions and am filing XXXX. I am unable to make the payments and stopped and have spoken to a lawyer about filing bankruptcy. Money in my account is all unemployment and or workers comp exempt from garnishment.
Consumer complaint received 2018-12-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-03-23
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: Experian Information Solutions Inc. (AR)

EXPERIAN ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

I negotiated a settlement with my Chase Credit card and I paid as agreed. They have no reneged on our agreement and are still showing a balance on this card. Ref # XXXX XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (AL)

A loan account begin in XX/XX/XXXX as {$21000.00} with XXXX XXXX XXXX XX/XX/XXXX - charge off on account XX/XX/XXXX - MRS BPO LLC reports as {$30000.00}. 

The account is not accurate.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$210.00} in erroneous and excessive overdraft fees which has caused my account to have a severely high overdraft amount. On XX/XX/2018, BB & T Bank charged me {$72.00} in over draft fees, on XX/XX/2018, BB & T Bank charged me {$36.00} in overdraft fees, and on XX/XX/2018, BB & T Bank charged me {$100.00} in overdraft fees. I called BB & T bank 's customer service line on XX/XX/2018. I told them that I wanted to dispute a transaction that took place on XX/XX/2018 on my account with XXXX XXXX who erroneously charged {$130.00} on my account. The BB & T customer service agent told me to dispute the transaction with XXXX XXXX and wouldn't let me dispute it with BB & T. I told the customer service agent that BB & T as a result of this XXXX XXXX XXXX BB & T Bank is continuing to charge me overdraft fees. The BB & T customer service agent told me that BB & T would reverse the overdraft fees if the transaction is reversed. I expressed my concern that BB & T is continuing to excessively charge me overdraft fees on my account, the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$66.00} with XXXX XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$19.00} with XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. 

I again called BB & T on XX/XX/2018 regarding the XXXX XXXX transaction that took place on XX/XX/2018, because BB & T was continuing to charge me overdraft fees on my account. The BB & T agent didn't care again that BB & T Bank was charging me excessive overdraft fees. 

BB & T Bank is abusively charging my account overdraft fees. I called BB & T Bank customer service while the overdraft fees were being assessed on my account because I had disputes on transactions that had gone through, and the BB & T Bank customer service agents didn't care. BB & T charged my account {$210.00} in abusive and erroneous overdraft fees between XX/XX/2018 and XX/XX/2018 which is causing my account to be severely overdrawn.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NJ)

Sent a letter dated XX/XX/2018 directing XXXX to mail my yearly consumer disclosure and to freeze my consumer file. 

XXXX choose not to follow my wishes and did not send me a copy of my consumer disclosure.