davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson, Cooper & Ortiz, LLC (TX)

We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from XXXX XXXX XXXX XXXX XXXX requesting that we pay them for the fraudulent checks they cashed. We contacted XXXX XXXX XXXX twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from Nelson, Cooper & Ortiz demanding payment for these fraudulent checks. Initially we thought Nelson, Cooper & Ortiz was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from Nelson, Cooper & Ortiz labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the XXXX. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a XXXX XXXX. 
I have attached a copy of all the communication referenced above
Consumer complaint received 2022-04-14
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. (MS)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Filed a investigation with trans-union inXX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NJ)

Called Upgrade on XX/XX/22 to request a breakdown of my payments, what is going towards principle and interest. I was informed ( rep also spoke to the XXXX ) that they don't provide that and I would have to create my own amortization schedule in XXXX to get that. Problem is this is not a regular loan where it's set. I make payments and purchases and the amount changes. This information should be clearly disclosed on my monthly statements or given upon request. I have made several large payments to them and have no idea if they took everything towards interest or what. This is information that should be available to any consumer and should be a right to know, not hidden. I need answers.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (MI)

I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.
Consumer complaint received 2022-08-30
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. (MI)

I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I reported unauthorized fraudulent activity on my debit card following a property/identity theft on XX/XX/XXXX which resulted in {$1600.00} of unauthorized charges and incorrect fees. My cell phone with the same number registered with Chase was also stolen. Upon reviewing my phone records, I saw 20+ calls to Chase Fraud Protection Hotline which were attempts to authorize transactions that were stopped due to suspicious activity on my account. I was issued a temporary credit while my claim was investigated. After investigating my claim, I was informed that the claim was denied due to PIN/chip use and because " I '' authorized the transactions over the phone, when in reality it was the thieves who fraudulently authorized it using my personal information obtained in the identity theft. At this point, I submitted a police report and phone records for further review. The claim was subsequently partially denied again for the transactions totaling {$260.00}. 

In violation of the EFTA, Chase advised me that the decision on this claim was irreversible and they would take no further action, despite the outstanding unauthorized debits to my account in the amount of {$260.00} ; {$210.00} more than the {$50.00} limited liability for unauthorized transactions through a debit card, provided by the EFTA.
Consumer complaint received 2022-08-30
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: CITIBANK, N.A. (GA)

VISA credit card with Best BuyXXXX CitiBank , NA. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to Best Buy and they stated they would file a fraud claim. During the mean time we received a new Visa Best Buy credit card. I did not activate the card, I destroyed the card and contacted Best Buy to close the account. I received from Best Buy Credit Services a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with Best Buy to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original score.
Consumer complaint received 2022-08-30
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. (GA)

In accordance with the Fair Credit Report Act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

XXXX, the parent bank of Chime who I am currently with, has locked my account and will not unlock it. I changed my phone number on my Chime account Wednesday XXXX XXXX at XXXX XXXX  and it instantly locked my account for a " matter of security ''. I received emails saying my account would be locked and until I submit the required documents, I would have no access to my debit card, my login information, as well as any direct deposit deposits coming in would be ejected and sent back to the issuer. I supplied the prof that Chime asked me for the same day and was told over the phone that within an hour my suspension would be lifted and account back unlocked, as I pleaded for them to unlock it as I am to be paid on Friday XX/XX/2022, and I had bills that I needed to pay as they will be shut off and I am the only one in my household with income to cover the bills. I was assured that they received and verified my information was good and that it would take an hour and then it would be lifted. Several hours passed and I consistently kept calling and I kept getting the run around. I was eventually told it would take 24-48 hours. Friday XX/XX/2022 came and it was still locked. They have held my money and I can not but the medicine I need for my child or husband, as well as they told me that now they don't have a timeframe and they will fix it whenever they can. Today is Tuesday XX/XX/2022 and my account is still locked and I have been told that there is no timeframe that can be given to me and they will fix it whenever they can. This is hugely inconvenient to me as I now how have to open a new bank account with another bank so I can hopefully get my deposit next week and hope I'm not delinquent on bills. Chime has done nothing to support me and they have informed me that replies to their emails will further delay getting my application processed. I have given them more than enough time and it is ridiculous to hold someone's money and not allow them to make purchases or get their paychecks all because I changed my phone number.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (GA)

This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. CFPB I urge you to fully investigate this matter. 

I am also in the process of contacting the office of XXXX XXXX Director of the Consumer Financial Protection Bureau For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( XXXX ) XXXX
Consumer complaint received 2022-04-11
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. (CA)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX # SPC XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, IN XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX EXXXX XXXXH ) XXXX Balance XXXX : XXXX XXXX XXXX I XXXX Balance {$0.00} TRANSUNION : XXXX XXXX XXXX {$0.00} XXXXE XXXX Balance {$0.00}
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX, my account was hacked for XXXX someone stole my money from several atms, I reached out got police report and all still Im being treated unfairly XXXX denying my claim, Bank of America prepaid card stole all my unemployment funds Im struggling
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX- Enroll to Capitalone 's XXXX XXXX XXXX  online and accepted XX/XX/XXXX - Used the card in XXXX and sent my full payment, along with {$390.00} Annual Fee. No problem. 
XX/XX/XXXX - Received an email to submit the following supporting documents. 
Government Issued ID/Drivers license - XXXX  Driver License Social Security Card Proof of Residence XXXX XXXX to XXXX Water Bill Bank Statements- XXXX XXXX  Checking from XXXX to XXXX XX/XX/XXXX - Successfully submitted the requested document. 
Case number XXXX Reference number : XXXX Around XX/XX/XXXX - Received a letter from CapitalOne saying the card will be suspended until further verification with the above-requested document. Made a call to CapitalOne told them I have already sent them all the document. Then they told me, it will take time to process and get back to me regarding the suspension of the credit card. NO ONE CALLED OR EMAILED OR ANY LETTER OF STATUS UPDATE from XXXX. 
XX/XX/XXXX - Called and talked to Agent XXXX, Agent ID : XXXX, and requested escalation to cancel my card and get the refund of my Annual Fee. He told me to wait for his supervisor, but I have to attend a meeting so I need to call back. 
XX/XX/XXXX - Called and requested escalation to resolve my annual fee with Agent XXXX, Agent ID : XXXX. The call was escalated to a supervisor name XXXX, and they said the case has been passed 40 days, so there is no refund, but she will escalate my case to their " Dedicated Team '' and someone will get back to me within 10 days. 
XX/XX/XXXX, & XXXX - I received emails asking me for payment. The card has been suspended since XX/XX/XXXX, and no one from CapitalOne has sent email, mail, or call to update on the status of my document submission, so I have no idea why there would be any charge to the credit card. Also, why would they refuse to refund my annual fee when they accepted my application online in XXXX, and then all of a sudden suspended my card and refuse to refund my annual fee of {$390.00}. It is a fraud to keep my annual fee. 
XX/XX/XXXX - One last call to see if their " Dedicated Team '' has any answer, but CaptialOne continues to have the same run-around. 

I hope CFPB can resolve this and get back my annual fee as soon as possible.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Account : 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 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 2022-02-24
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a lease with XXXXXXXX XXXX XXXX since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX XXXX XXXX  reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX  sold their accounts to Citizens and the transition is supposedly in progress. I had an XXXX XXXX account and tried to enroll in Citizens ' online banking on XX/XX/XXXX in the morning. 

The system did not recognize either my SSN, or my XXXX account number. 

I tried to call the online support line at XXXX. After being barraged with irrelevant messages, the hold time was disclosed as over 60 minutes. 

I tried to enroll again at XXXX. The system did not recognize either my SSN, or my XXXX account number. Contacted tech support. After being forced to listen to useless drivel for XXXX minutes, the hold time was disclosed as " over XXXX minutes ''. 

I tried to enroll again at XXXX on XX/XX/XXXX. The System did not recognize either my SSN, or my XXXX account number, or the XXXX account number. 

Evidently, Citizens has failed to manage the acquisition competently or diligently and as a result I have lost access to my funds ( I don't have a check book for this account, nor did I get sent one from Citizens ).
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i disputed two items that was found on my credit report that were fraudulent with transunion 1 ) XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. transunion said the items were verified. but i called each creditor and they no information on me with those accounts and also when i disputed these items i sent in police report with dispute but they claim they didnt get police report but it was all sent certified mail with disputes
Consumer complaint received 2019-10-13
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. (FL)

This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through