davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : 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 XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Im due to unfortunate events I had a mishap with the law and I got XXXX  out through XXXX XXXX   XXXX and from what I know they are not supposed to charge me without my authorization thats why they kept telling me to call them back when Im ready to make a payment so then they can process it but unfortunately I guess since I wasnt paying fast enough or I wasnt paying in time they took it upon themselves to charge my card and when I called Chase Bank and let them know that there was an on authorized charge they told me that im due to unfortunate events I had a mishap with the law and I got XXXX  out through XXXX XXXX XXXX XXXX and from what I know they are not supposed to charge me without my authorization thats why they kept telling me to call them back when Im ready to make a payment so then they could process it but unfortunately I guess since I wasnt paying fast enough or I wasnt being in time they took it upon themselves to charge my card and when I call Chase Bank and let them know that there was an on authorized charge they told me that I will I will have to personally take it up with the company because since I dealt with them before then the transaction is the XXXX meant which I dont understand because the time I dealt with them before to make the payment was for that payment to only it was not for an automated continuous withdrawal of any sort so it was for that one time payment and the car should not have been used for any other transactions unless I told him it was OK and Wish I did not and when I tried to explain that to the escalations department they told me that I authorized charge because I gave them my credit card information in the beginning. I thought XXXX is how many times the company has my credit card information theyre not allowed to charge it without my verbal OK or a signature or some sort of verification saying that it was OK to charge my account but I did not do that of any sort and now I can not get my money back because Chase is kind of refusing to investigate because they said that the only option I have is to go ill with a company myself when I thought Chase investigates all inquiries about a claim and I filed a claim against them. 

So why is chases escalation department refusing to investigate a claim that so why is chases escalation department refusing to investigate a claim that if they called to get a signature or a verbal recording of my authorization Had no verbal recording of my authorization nor had a written confirmation of my authorization so therefore it was an authorized and yet Chase wont investigate or maybe they are investigating but the officer or the representative that I talked to told me specifically that I would have to deal with them by myself because Chase is not going to look into it because I dealt with this company before that company has the right to charge my account whenever they want without my authorization which is not right.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Call log XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Called them back at XXXX at XXXX told them to stop calling they said they cant unless I give them my information and social security number. 
XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX called left voicemail at XX/XX/XXXX XXXX blocked phone number XXXX XX/XX/XXXX XXXX called left voicemail and I blocked the number. 
This has been going on since XXXX of XXXX with different numbers. 
Number they want me to call back at XXXX
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have had accounts with PayPal for many years, they decided for security reasons to close my accounts. I had XXXX accounts at the time and have received refunds for the XXXX other accounts but the XXXX account they are refusing to refund. I was advised they needed me to wait XXXX  days to make sure no claims were lodged against that money. It has now been more than 18 months and they are refusing to refund and refusing to return my calls. I have spoken with several customer service representatives and they start a ticket to escalate the issue and I never hear from PayPal and in the meantime they are holding {$1800.00} of my funds that I would very much like refunded.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (NY)

I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
Consumer complaint received 2018-08-03
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. (NY)

I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Beginning in late XX/XX/2018 I began experiencing technical failures on the part of Citibank, said failures involved : ( 1 ) A failure to pay a timely payment under their advertised " Bill Paying '' service which I subscribe to, wherein my rent payment is sent to my landlord, and was actually delayed by around 2 1/2 weeks, which resulted in my being served a delinquency notice by my landlord, wherein I had to pay the rent twice, and then had to petition the bank to cancel their failed late check. Eventually Citibank had paid and sent the late check, which was to have gone out on a timely basis, but did not go out on a timely basis, causing the delinquency notice from the landlord. ( 2 ) The advertised Citibank alert system which warns or notifies clients, which I subscribe to as well, wherein clients are notified of coming payments ( like a rent payment or other bills ), this failed as well, and has not worked properly since around XX/XX/2018. I contacted Citibank via the following methods : ( 1 ) Telephone ( 2 ) In Person ( 3 ) By Email. This all began around XX/XX/2018, when I was served the late rent notice from my landlord. I spoke to various, and numerous, specialists, technicians, customer service personnel, and later supervisors and other management personnel. They all attempted to help resolve the matter, but could not, or did not follow through, and did not call back, did not email back, and the offshore Citibank technicians and personnel were utterly incoherent in their ability to grasp the problem, and could not resolve anything, always deferring the problems to " reset '' solutions, which did nothing. I sent them " screen shots '', and " evidence '' and " descriptions '' of the problems, but they never responded in writing, email or by telephone. Only after approximately eight ( 8 ) months did they actually respond, and only that one time, as they left a short message on my work telephone during a lunch period, wherein they stated that " we have resolved your problems '', and that one call came around XX/XX/XXXX or XXXX. However, that did not resolve the issue, the only things that happened are that they resolved the " Rent Payment '' schedule, and one of the " Alert Notifications '', basically the one for the Rent, which had not worked for many months, and the other alerts are still yet non-operational. My conclusion is that this has been a case of " Electronic Systems Failures '', " Advertisement Misrepresentations '', and " Professional Incompetence '' on the part of Citibank and its respective corporate and technical staff. I have been with this bank for thirty four ( 34 ) years, and have not remembered this type of heightened incorrigible behavior from them, this problematic servicing began at the time that Citibank lowered all Citigold Members to a lower level of service back when they shifted Citigold Members to the Citipriority level.
Consumer complaint received 2022-07-25
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. (NC)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-04-27
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 (CA)

I owned a " XXXX '' corporation and had both my personal and corporate accounts at Wells Fargo. I have closed and dissolved the corporation. I had a XXXX XXXX subscription for the corporation. That subscription was stopped last year. Since then, despite repeated requests Wells Fargo has been charging my PERSONAL ACCOUNT, an account that was never authorized for XXXX XXXX a {$14.00} fee every month for software access.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

XXXX statement- made an online payment, interest was charged XXXX XX/XX/XXXX statement - made an online payment, interest was charged XXXX XX/XX/XXXX XXXX no interest charged XXXX statement date XX/XX/XXXX large payment was done and interest charged XXXX.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (AL)

Creditor Name XXXX XXXX XXXX XXXX  Date opened XX/XX/2016 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a debt in the amount of {$500.00} for a Capital One Credit Card. I was contacted by XXXX XXXX XXXX and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I have XXXX acounts that is Fraud LockHart Morris from XXXX i never be in that Place that take my information and they put in collections i have proff that i have XXXX
Consumer complaint received 2018-08-03
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: WELLS FARGO & COMPANY (AL)

I have credit inquires from Wells Fargo Dealer Services from the dates of XX/XX/2017 and XX/XX/2017. I have no knowledge of agreeing for them to place these credit inquiries and have disputed with both Wells Fargo Dealer Services and XXXX  numberous times with no help from customer service from either company.
Consumer complaint received 2020-07-31
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown  accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2018-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NM)

In 2013 I was using Coinbase for virtual currency transactions. One day I logged in and my entire account balance was empty. Checked the login logs that they make available and someone had logged in, in the XXXX to the account and transferred the balance. I contacted the company several times of the years trying to see what could be done. Providing logs, information and anything they asked for. Unfortunately they always said there was nothing they could do.
Consumer complaint received 2022-06-20
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: WELLS FARGO & COMPANY (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX XXXX {$6700.00} I reported that account years ago somebody got into my account and stole all my money and the banks money I was broke then they told me I owed them like I did it I even tryed to XXXX those and they didnt believe XXXX I was saying I would never bank with regions ever in my life