davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I don't owe anything to PORTFOLIO RECOVERY ASSOCIATES with account number XXXX and XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

TO WHOMSEVER IT MAY CONCERN : Dear Sir/ Madam, As we were in the process of buying house, there were five individuals that were involved in the process as shown below : ( 1 ) Attorney : XXXX XXXX , Email : XXXX, Phone : XXXX. 
( 2 ) Realtor Name : XXXX XXXX, Email :  XXXX Phone : XXXX. 
( 3 ) Title company e : XXXX XXXX XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX XXXX NJ XXXX. 
Phone : XXXX, email : XXXX. 
( 4 ) Mortgage company : XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX NJ XXXX, phone : XXXX Email : XXXX ( 5 ) Buyer : XXXX XXXX XXXX, Phone : XXXX. Email : XXXX ( old ), XXXX  ( New ). 

About one week before the closing I got an email from our attorney which included the wire Transfer instructions as an attachment. During my email conversation, I mentioned that I would prefer to come with certified check instead of wire transfer, but I was instructed to do a wire transfer in order to facilitate a smooth closing. Then I accepted to do the wire transfer on Friday XX/XX/XXXX, but due to my busy schedule at work that Friday, I was unable to do the wire transfer on that Friday. Later, I replied I will do wire transfer on XX/XX/XXXX, Saturday. 
During these conversations, I had found another email sent from XXXX XXXX, XXXX ( the title company ) which was sent to XXXX. That says We would advise to use the attached Chase Trust Account, since our XXXX XXXX XXXX will be going through Bank Audit this weekend to avoid any delay. According to the instructions provided in the attachment from XXXX XXXX email, I did a transfer of {$83000.00} to the chase account provided in the attachment of the original e-mail sent by XXXX XXXX email ID, ( XXXX  ), which was later discovered to be a fraud bank account. 

In Summary, I am a victim of FRAUD WIRE TRANSFER SCAM, in which I have lost {$83000.00} of hard earned money which we had collected in last several years. I would appreciate for you to help me regarding this matter. 

Thanking you, XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/XXXX a prepaid card sent back XXXX which they were holding for over three years. I told the prepaid card company that my account was closed with chase bank but they still sent it to them because my mother had contacted the FDIC. So FDIC sent my mother a letter stating that they sent the funds back to my account and provided me with a trace number I called Chase over 10 times and went down to the branch three times and no one can tell me where my money is at. I have a reference number with the FDIC which they said they are fowarding my information to you. No. : XXXX my reference number.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc ()

Paypal limits my account for 180 days, which leads me to stop all my work, because my capital has been held, and I request paypal to let me continue my work, or send me my money to start something in my country to be able to live. 

This is my email : XXXX XXXX
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

XX/XX/XXXX at XXXX XXXX Coinbase sent a message that they were restricted my ability to Buy & Sell Bitcoin because they say I was reselling of digital currency via other services. 

XX/XX/XXXX XXXX I opened a support ticket [ Case ID : XXXX ] requesting my limits to be restored since I have never resold digital currency via other services. 

XX/XX/XXXX XXXX I downloaded a full history of my transactions that contains questionable transactions that do not belong to my account and attached for report to the support ticket. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 

XX/XX/XXXX XXXX Received a message that my limits have been increased but the Coinbase system does not reflect the change. I updated the support ticket with this confusing message from Coinbase. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 
Also direct messaged XXXX XXXX on XXXX Also private messages XXXX on XXXX XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved.
Consumer complaint received 2024-06-02
Product: Credit 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: DISCOVER BANK (CA)

My Discover card was used for unauthorized online purchases at XXXX and XXXX. The total amount may be calculated from the attached statements. I can't list all the charges and dates due to lack of provided space in this report, as some of transactions were repeated by the Discover card Customer Protection Services, as they gave me temporary credits and charged me back more than once for the same transactions. The attached statement indicate charges from XX/XX/2023 in XXXX online store for {$530.00} ending in XX/XX/2023 security adjustment for {$2200.00}, which was originally posted on XX/XX/203 on XXXX online store. The total amount of XXXX online charges were {$13000.00}, which included multiple disputes and reversals by Discover Customer Protection Services. XXXX online charges started on XX/XX/2023 with the amount of {$680.00} and ended on XX/XX/2023 with the amount of {$3300.00}. For some reason, Discover Customer Protection Services charged me additionally for the unauthorized online purchases delivered to unknown address to unknown person named " XXXX '', which is neither of my first, middle, or last name. The total amount of unauthorized charges, disputes, reversals, and adjustments related to XXXX online purchases was {$43000.00}. All details about unauthorized charges, temporary credits, reversals, and adjustments are listed in my attached Discover statements, and Discover card Customer Protection Services gaslighted and blamed me for being a victim of unauthorized online purchases delivered to unknown people by also making me liable for all fraudulent activity with my Discover credit card. Those unauthorized transactions drained my savings account linked to my Discover card for Auto-Pay. They also blamed me that my previously submitted police report # XXXX indicated " Identity theft '' instead of " Fraud '', which was not an option for submitting such a report.
Consumer complaint received 2022-08-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # : 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
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (ME)

I have a mortgage with Pennie Mac. I am trying to get PMI taken off the mortgage. It's nothing more than a cash grab. I was told my LTV is too high ( even though they go off house sale price and not the higher appraisal ). I have accepted this criminal activity because it's a bank and they are criminals. However, I had a long conversation with a banker at Pennie Mac in the fall and she said if I was adding value to the house, I could apply to have the PMI removed. I have put close to {$100000.00} into the house in a boiler, hot water heater and {$50000.00} kitchen remodel. I have all the receipts. When I wrote in to apply, I was told it would take 2-5 days to reply. That's insane. They should be able to reach out in a day. They are raking in record profits and they slow walk any effort for customers to get their rightful monies. 10 days later I get a form letter that completely ignored the information I put in the form regarding the improvements to the house. So, their process is to stall the customer, play dumb and send me a form letter saying NOPE, your LTV is too high. Again, to be clear, I accepted the LTV fraud, I was ASKING about the added value to the house. I need to speak to a human being that can think and follow my request. What is the next step in the paperwork to apply to get the PMI wiped out? Please understand that each week of delay earns them more money. This is why they do this. I am so sick and tired of these gross corporations who can never make enough money. Their rapacious greed is exhausting. I am trying to wipe out a {$60.00} PMI on a large mortgage. This isn't a big ask and I am prepared to provide all the documentation they need but they refuse to acknowlege the issue. Delay, delay, put people off so they won't bother. That's their MO.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX. XXXX, 2020, CORELOGIC CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-26
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. (OK)

I submitted request to Experian & they replied its my Debt?

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report
Consumer complaint received 2018-07-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have been contacted repeatedly by phone and by mail by Portfolio Recovery Associates, who say they represent XXXX. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from XXXX for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXXXXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with XXXX anymore.
Consumer complaint received 2022-08-26
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. (OK)

I submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying to get a copy of my consumer report from TransUnion online and was unable to for 11 months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on https : //annualcreditreport.transunion.com for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX XXXX XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on XXXX XXXX to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block
Consumer complaint received 2022-08-26
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I got a notice in the mail dated XX/XX/XXXX from " The Law Offices '' of Mitchell D. Bluhm & Associates , LLC about allegedly owing {$1300.00}. The letter states that a XXXX XXXX XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and that this account has been placed in collections. I haven't previously had any statement of a delinquent medical bill by either and if I had, I would have made payment before it went into collections. It says the service date was XX/XX/XXXX, but I never received ANY notice until now nor do I recall receiving ANY sort of service as described around or near said date. This could negatively affect my credit score and I've just started to receive multiple robo calls from spoofed local numbers, clearly a TCPA violation. The letterhead on the notice from XXXX also seems to imply that they are a law firm and attorneys, yet any other information points to scrupulous debt collectors. I would like it stated in writing that this debt isn't valid and that I am declining responsibility of this debt. I never received prior documentation from this XXXX XXXXXXXX XXXX, of whom claims ownership. This company has failed to provide an itemized bill detailing the alleged services / debt. The XXXX Account Number referenced is XXXX. I intend to take whatever action is necessary if this harassment and issue are not properly resolved in a timely manner.