davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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: Consumer Portfolio Services, Inc. (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXXXXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022 at XXXX XXXX  XXXX XXXX, a login help feature resulted in multi factor authentication sent to my old phone number XXXX and was used successfully to gain access to my account. At that time a withdrawal was made from my 401k account in the amount of XXXX XXXX Money was also taking from my XXXX  account resulting in total loss of XXXX.
Consumer complaint received 2020-09-14
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. (TX)

A debt collection company has reported inaccurate information to Experian and Experian has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called XXXX XXXX XXXX ( XXXX ) had filed a collection on me saying I had opened an account with them in XX/XX/XXXX, which I had not. I filed a dispute with Experian to remove the inaccurate information and Experian just closed the dispute ( # XXXX ) without any changes being made to my file. 
Since the inaccurate information is still on my file, I contacted XXXX  directly and the representative acknowledged that in fact I had NOT opened an account with them in XX/XX/XXXX but that they had purchased an old debt on me in XX/XX/XXXX. The debt they purchased was opened in XX/XX/XXXX and the last activity on it was in XX/XX/XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the XXXX representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with them in XX/XX/XXXX. 
I called Experian and asked them to remove the inaccurate information but they said there was nothing they could do about it since XXXX says it is correct.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

I have checking account with overdraft protection with PNC bank.On Wednesday XX/XX/2019 my checking account balance has negative $ XXXX in checking and positive balance on reserve a/c has {$480.00}. I knew and that night I deposit CASH through ATM in amount of {$1000.00} and came home check balance again and it was balance was positive {$110.00} and reserve has same as before {$480.00}. so there is no need to transfer money from reserve account. everything good, but i woke up in the morning and check balance again it was negative $ XXXX and I CASH deposit again {$200.00}. Also I requested from XXXX XXXX online casino ACH deposit total 12 ACH transaction on tuesday XX/XX/2019 so there is more money come into my checking account. I called XXXX XXXX and their third party money transection provider XXXX XXXX  they told me they sent fund to your bank but they don't know when they release fund to your account.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

accounts that do not belong to me are reported on my credit reports i have sent in numerous complaints to experian and i have heard nothing back and its been over 6 months 1. The following account is not mine Chapter XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have notified Equifax multiple times there are reporting inaccurate personal information on my consumer report. I have also advised I have NEVER given EQUIFAX or any reporting agency or third party reporting agency consent to report anything to my consumer report. I have also provided them with the FCRA laws they are violating and notified them they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

Inaccurate Personal Information : XXXX XXXX XXXX This name does not belong to me. 

My name is : XXXX XXXX
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, my Paypal account was permanently limited, stopping me from making any transactions or transferring money out of my account, without any reason given for why. I currently have XXXX $ USD in my account which I can not access. Paypal as a business has promised to provide me with access to my funds and the ability to make online transactions, which has now been taken away from me without even a reason for my ban. I have been using my account for many years and have paid a large amount of fees for their services throughout that time, without any activity that would violate their terms. My latest usage which may have triggered the algorithm to flag my account was a transfer of money from my parents, which was XXXX $ USD into my account. Contacting Paypal through their help center, social media, and phone support have all given vague responses that did not solve my problem nor give reason for my ban. The email associated with my account is XXXX.
Consumer complaint received 2021-08-17
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. (GA)

I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I have also provided them with FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2013 REASON : UNAUTHORIZED REPORTING OF LATE PAYMENT
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIDELITY CAPITAL HOLDINGS, INC (IL)

I was renting a home in the block of XXXX XXXX XXXX in XXXX we came to and agreement to vacate the property l did and l have the letter from the court stating XXXX balance and the creditor is the landlord and he wont take the judgement off and he is not holding up his end of agreement and l have the documentation.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016 a Wells Fargo - California Bank account was opened under my identity. With an amount of {$540.00} being withdrawn or spent. I never opened up this account, this is very inaccurate, and believe was fraud. The email is mines, never got any type of notification, phone number is not mines, never had it, nor have I lived at the address it was opened under.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (NY)

Unknown person/persons impersonating my identity. Deposit was made mid to late XXXX. Discover closed my account ending in XXXX due to overdrawn fees. Overdrawn fees were an action of Fraud and Ive been advised by XXXX to report a compromise of identity.
Consumer complaint received 2022-11-30
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. (TX)

I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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. 

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 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 2019-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I have a collection listed on my credit report that has never been validated. I dispute it and get no resolution. I am unsure if it was opened fraudulently or what because no contact has ever been made in regards to this. I am the spouse of a military Veteran that is completely XXXX and any valid accounts that were opened in my name, would reflect an interest rate capped by the SCRA due to my spouse being XXXX XXXX and deploying. I am unable to verify the account info, to see what this is and if the military lending act/SCRA was applied if it is indeed a valid debt.
Consumer complaint received 2019-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I monitor my bank accounts every day, each morning. On Monday, XX/XX/XXXX when i woke up and looked at my WF account, i had noticed my account was in negative status. I was curious as to why, saw transactions and there was an auto charge from company called XXXX for {$88.00}. This transaction WHICH was not even processed just initiated caused my account to go negative. I was not aware of this auto charge so immediately i called the company to seek refund but they stated they couldn't until they received items that were shipped. I just received the items today, XX/XX/2019 therefore i will be shipping back to company these products to initiate {$88.00} refund. With that i believe all the Overdraft Fee 's i've been applied should be refunded because if this charge never went through then i would not have been in this position. Now I have {$100.00} going into WF direct deposit into this account that will be wasted due to negative balance. I have already shifted my direct deposit to another financial institution that i know confidently would have addressed these charges. I feel that if WF had processed the transactions in the order that they were initiated i would not be in this position. So that morning, XX/XX/XXXX i called WF XXXX # to discuss charges. The rep stated that the XXXX charges hadn't gone through yet which i understood but because it was processed this caused my account to go negative. I don't understand. Rep was not helpful at all and i was not in the best of moods when i called she then offered to transfer me to manager and i  waited for quite for moments before i had to hang up and actually walk into work at WF. WF then has called but due to work not able to answer until Friday, XX/XX/XXXX when I returne their call. First thing REP asked me was how was i going to pay the OD fee. I stated i am not and i am acutally in process of filing compliaint to CFPB. He then stated ok, let me transfer you to Office of the President and because of waiting for 5 minutes on hold i hung up as i did not have time to wait due to meeting. I have not since discussed with them as I was waiting for package to arrive and return to start that refund process first from XXXX to lower the negative balance. On Friday, my balance decreased by {$100.00} due to automatic deposit from work which that was a waste of {$100.00}. 
I literally week before ran into this and they were helpful in crediting me 75 % of the overdraft fees because XXXX charged my account in error and i called asap to have resolved account credited i believe same day or next day. These transactions were for {$3.00} caused my account to go negative for less than {$10.00} and WF and their absorbent OD fees charged me {$70.00} in fees for less than {$10.00}, very sad and unfortunate how much this organization makes just in FEE 's - overdraft fees, monthly {$5.00} service fees to maintain a savings account and however else they are making money and attempting to rebuild customer trust as well as employee trust.
Consumer complaint received 2019-01-05
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: Security Credit Services, LLC (IL)

The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

3RD CFPD COMPLAINT ON CHIME Chime Managers have assured me on a recorded line that although they are aware that the company ( chime ) is treating me unfairly and unlawfully by refusing to reinstate unauthorized money transferred and charged against the account, there is nothing I can do about it. I was ironically and thankfully transferred back to the same Disputes Manager, who said himself on a recorded line, that he was absolutely shocked beyond belief that my claims continue to be denied based on the amount of firm substantial evidence I have and continue to add. I am able to prove with continuous recording of our conversations between Chime Member Services and Disputes team, that they continue to lie to me about handling why account and claims. I AM THANKFUL TO GOD  FOR THESE RECORDINGS!!!!!!! Otherwise the 8 page and growing detailed journal I have showing Chime to have manipulate and misrepresent my account and investigative reports would have you believing to me making all of this up. Based on my dealings and occurrences and stories found on the internet, there is something fishy certainly going on! So fishy that I believe when its finally revealed its going to be one of the biggest banking embezzlement or fraud cases the world has ever seen! There is something extremely odd, peculiar, and fraudulent about Chime, and if the CFPB won't get to the bottom of it, you can trust I am! To perspective customers of Chime DO NOT JOIN!!!! NO BANK BACKS THEM, XXXX  XXXX XXXX  DOES NOT CLAIM TIES TO THEM... THEY ARENT EVEN A BANK THEY ARE A TECHNOLOGICAL COMPANY DECEIVING PEOPLE TO THINK THEY ARE A BANK. THEY TRIED ONCE TO BE CERTIFIED AND WAS DENIED! WHEN I FIND SPECIFICS AS TO WHY I WILL BE SURE TO POST UPDATES, THIS HAS NOW BECOME MY PASSION TO EXPOSE CHIME FOR THE FRAUDULENT THIEVES THEY ARE. THEY ARE SIMPLY NOTHING BUT ANOTHER XXXX XXXX! I CAN SAY YOU COULD AT LEAST GIVE A KUDDO FOR YOU TO BE ABLE TO ACTUALLY SPEAK TO SOMENE AT CHIME VS XXXX XXXX, BUT ALL IN ALL SPEAKING TO A CHIME EMPLOYEE IS WITHOUT EXAGGERATION THE EQUIVALENT OF SPEAKING TO NOBODY AT ALL! LET IT BE NOTED THAT I HAVE PROOF OF CHIME MANIPULATING FEDERAL INFORMATION AND FUNDS AND CONSISTENTLY BREECHES CONTRACTUAL AGREEMENTS MADE TO THIER CUSTOMERS! IF A HIGH POWERED ATTORNEY, OR ANY ATTORNEY FOR THAT MATTER WOULD LIKE TO ASSIST ME IN LAUNCHING A CLASS ACTION LAWSUIT AGAINST CHIME PLEASE CONTACT ME, AND OR PROVIDE YOUR CONTACT INFORMATION.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for a XXXX credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.
Consumer complaint received 2019-01-05
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. (AR)

XXXX XXXX XXXX FAILED TO RE-INSERT ACCOUNT NOXXXX AND XXXX BACK INTO XXXX CREDIT FILES AND VIOLATED THE TERMS AND CONDITIONS OF XXXX.
Consumer complaint received 2022-08-28
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # 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
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2014 I went to XXXX XXXX to have XXXX XXXX from my XXXX they did 1 session approved me for card XXXX. After session I was told laser would only pick up dark hairs that was 20 % the largest part of my facial hairs are grey so I would have to try another option they offer. So I refused paid {$170.00} they continue to sell to collection agency XXXX XXXX I have asked numerous times for itemize charges I used {$4100.00} I never get because 1 session did not cost XXXX XXXX and I believe the 1 session I did and paid XXXX was fair they continue to ruin my credit and I'm constantly getting calls about suing me. Please help me I have other issues I'm fighting XXXX XXXX and I constantly have to deal with this. Thanks
Consumer complaint received 2021-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My loan originated on XXXX XXXX I have made all my payments above and beyond. Abruptly I been charged an additional {$900.00} and they have increased my mortgage payment to {$2700.00} from the original agreement of XXXX as I have provided for your review. Also included are copies of bank drafts made to Freedom Mortgage payments made that where above the required amount owed. 

Thank you in advance for your help. 

XXXX XXXX XXXX number XXXX