davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (FL)

In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. 2 of the alerts expired in XXXX of XXXX and one expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called XXXX this morning because I received an email from one of my creditors that XXXX mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called XXXX and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how XXXX and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. XXXX also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to Experian credit bureau with no resolve. XXXX XXXX XXXX, XXXX is reporting XXXX XXXX XXXX XXXX, LA XXXX and XXXX is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


XXXX has my name known as XXXX XXXX which is incorrect.
Consumer complaint received 2017-09-19
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)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I received a large amount of funds in my account and I reported it to the bank. Also my debit card was being used as well as fraud from someone so the bank froze my account and I am not able to open up another account or get my funds out. Please help me
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (CO)

XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of XXXX. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with XXXX. Elevations changed my bank account numbers and requested the {$1000.00} back from XXXX as a case of Fraudulent transaction. XXXX returned the {$1000.00} and " Locked '' the XXXX account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency XXXX Credit Corp Solutions Inc located in XXXX, UT ) stating I owe {$1000.00} from a XXXX account they now owned. I contacted XXXX and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the XXXX account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which XXXX has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from Credit Corp Solutions exactly a year later stating they now own the account and require payment. XXXX is unable to do anything because the account was sold. XXXX is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).
Consumer complaint received 2019-03-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I was foreclosed on twice once inXX/XX/2013 I tried to get help from a modification and was denied plus told that I didn't meet criteria when I did then after I finally finished paying XXXX to keep home they started doing shady things to my loan, they quit sending me statements, they changed my loan number witch is secured by the note in witch it was first signed and started, also they held mortgage funds I paid and put them on interest instead of principal witch thru me into foreclosure again i want to see that my pain and financial pain is not gone without true justice and i haven't seen one check that supposedly is being sent to all victims that were not granted modifications, please help me!!! Thank you XXXX XXXX
Consumer complaint received 2021-06-09
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. (CA)

During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-12-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have written to Equifax, XXXX and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. Equifax, XXXX and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. Equifax, XXXX and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate Equifax, XXXX and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (AZ)

After multiple attempts to resolve this issue. Td Bank/Target is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.
Consumer complaint received 2022-10-20
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)

This is about the charge by XXXX XXXX XXXX  On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (OH)

I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by commonwealth. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as commonwealth and the previous debts listed above that the credit reporting agencies have not bothered to do.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (GA)

Superlative RM also under as XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report that I owe {$420.00} for ( Account # XXXX ) Reference # XXXX. I have sent a letter back in XX/XX/XXXX and received a letter back with a copy of a one sheet account summary on XX/XX/XXXX. This is not proving that I owe the alleged amount that you are reporting one my credit. I sent another letter and /I didn't receive a response. Then I sent another letter XX/XX/XXXX and you received the letter XX/XX/XXXX stated that you failed to verify that I owe the alleged debt. Verification is a signed company of contact with my signature that I agreed to pay the above above. I have not received anything since the last letter sent providing proof that I owe the debt that you are stating that I owe. This is against the law to report incorrect information on my credit report. THE CFPB is authorized to investigate this matter and received related information. I promptly request deletion of the alleged debt above from all 3 major credit bureaus. Failure to comply to this request is against the law and I will be forced to turn this matter ever to an attorney. See enclosed copy of certified mail receipt
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: EQUIFAX, INC. (FL)

I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and equifax and XXXX reporting it as closed!
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

I went to close my BBva checking account XX/XX/2018 I sat for twenty minutes while XXXX at the XXXX branch stared a a computer screen which was supposedly loading slow. He says he closed the account and refunded me the {$6.00} cents in the account. He then tells me he can't close the account until the pending transactions clear. The pending transactions were less than XXXX dollars. He warns me not to use the debit card and I leave. I am reading my email XX/XX/2018 that they paid a debit that I haven't had transferred yet knowing I had XXXX balance in the account. The debt was XXXX plus XXXX dollars NEF fee. I had opted out of overdraft when I got the account but they kept paying after I told them several times not to do it. I refuse to pay a debit to s closed account. I did not give them authorization to pay it
Consumer complaint received 2021-10-20
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)

I Apply For A XXXX Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the XXXX XXXX XXXX Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from XXXX XXXX credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my Equifax Credit Report XXXX XXXX CREDIT REFERENCE NUMBER : XXXX
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2018 I was married to XXXX XXXX XXXX, the man with whom I share a Chase account and a Chase mortgage On XX/XX/18 I made an ACH deposit for a venue run by XXXX events for the rental of a cmvenue for a birthday party On XX/XX/18 I wrote a check to XXXX XXXX XXXX   for their services as actors for a murder mystery party for my best friends XXXX birthday party. The words " murder mystery party '' were in the memo. 
On XX/XX/18 I applied for a name change with the secretary of state to legally change my last name to XXXX On XX/XX/18 I tried used my Chase Sapphire Reserve card to purchase dinner, and the card was declined. I also tried to use my debit card with the same result I assumed this was related to my name change so I went to a Chase branch immediately with a copy of my marriage certificate and the receipt from the secretary of state office in an attempt to resolve the issue. The teller looked at my account info and said that the issue with my account was " above her pay grade '' and gave me a number and a case number. I called the number and was asked if this was regarding a letter that I was told I had received. I have not received a letter. I explained that I did not have a letter and I assumed this was related to the name change. 
I was told that Chase has decided to no longer do business with me. They are cancelling all of my accounts. I was told the decision is not reversible. I do not have any negative balance. I have not deposited large amounts of cash. I have not sold any points or opened any accounts. I have read through all of the possible reasons Chase could have used to close my account and none apply. The did not call me regarding any issue, so for them to just close my account was compromised preposterous. I'm certain this was just a misunderstanding relating to the murder mystery check or my name change. I really wish they would reconsider.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

This account was originally opened with Washington Mutual Bank, as they were holding my mortgage. Chase purchased Washington Mutual and my mortgage and checking account was transferred to Chase. At the this time I was advised that the terms and conditions of my account would remain the same. My mortgage rate remained the same and my checking account did not incur fees, as long as the account remained open. I was told this again in XXXX when I paid my mortgage in full the I was grandfathered in and no fees would be accessed. Now Chase has advised that they are changing the name of my account and fees will apply. I went to my Chase branch in XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX to advise the I am exempt from fees due too being grandfathered in. I spoke with a teller and the branch manager to no avail. They said Chase I taking all the grandfathered accounts, changing the names, and now fees will apply. My complaint was escalated to the Branch Complaint escalation group. Someone named XXXX called today from this group. He repeated the same as above. I want know why Chase can renege even though I have held up my end? Does their word mean nothing? I have paid my mortgage on time and in full, my account is stellar, no overdrawn checks, etc. I have been and am an excellent customer. I did not ask nor had any say in the purchase of Washington Mutual. Chase made a deal and they should honor their deal.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AR)

This has been going on very continuously the past 6-7 mos. I never signed up for overdraft. I have locked my debit card for over a month now. With regions lock it. I have been charged {$36.00} numerous times. If there is even 1 cent in my account they have paid for things as silly as a {$1.00} membership to some app then charge me {$36.00}. If the money is not in the bank I cant withdraw from an atm. Or use it anywhere. So how is it legal for them to choose what they want to pay for.? I'm so fed up with regions bank. If I were to go back from the time I opened my account til now it would be over {$1000.00} in fees. Then if its negative already and then charged and charged I am just too the point I feel robbed. They have changed the type of checking account I have with no notice of monthly fees that would be charged. I will not pay another penny to them. Because of all the money they have robbed of me they should have plenty to cover whatever amount it is today they say I owe now. I dont even use this account anymore. I go from having {$41.00} in the bank to within a few days - {$130.00} then two weeks - {$250.00} how is that possible when I personally have not used the account and it is supposed to be locked. I have cancelled everything. And they still find something to mess me all up over and over month after and I have had enough. If they want to report it to credit. I dont care. It will be worth not to see another dime of my money to go to that bank. I'm changing to a new bank. New start. Regions bank is horrible. Any bank that takes your money when it is not available is ridiculous. I never signed up for protection. So therefore it should of never happened.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX BANK XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX XXXX  ( Bank XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  BANK ( Bank ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX