davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
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: John C. Heath, Attorney at Law, PLLC (WA)

I have had over XXXX inquires that i didn't authorize. I had submitted a credit report score for loan purposes and the score came in the mail saying my score was XXXX which is impossible. I also recieved 2 others and my score has remained the same for years.. it usually is XXXX and the lowest it reached was XXXX which then was the time i recieved automobile solicitors calling me by the day and night. I also started recieving auto insurance company 's calling all day also. I know i only applied for a personal loan with XXXX company 's. And i can recall two of them calling me saying my loan application had be accepted and i was gon na receive funding in 24hrs. I submitted the verification information they required and i was told my funding would be deposited into my checking account the next morning. That my score was XXXX. I agreed with the amount and amount to be paid back. I was then transferred to a credit repair company who insisted i needed to give information as a assurance procedure since i was granted the loan. My credit score since these interactions have been all screwed up and my loan also never was recieved. This was a process that was used on me at least 5 times, thinking i was recieving the loan as promised and each time having been mislead and manipulated about the funding i needed and my credit score sumhow being effected by extreme measures. The companies i referring to are as follows.. XXXX, XXXX XXXX and XXXX.. also XXXX credit repair XXXXXXXX XXXX which multiple times attempted to charge me money saying it would come out of the loan amount i never recieved yet took my account numbers to any possible accounts i had. Very unprofessional results and manipulating sales pitches and technics. The department of XXXX XXXX also has done sum kind of report that is misused its authorized access. I have paid plenty and should not be penalized for my XXXX son whom is XXXX old now and i paid alot of the amount owed more then 85 % of the total. Please look into these reports against my credit i have not done this to myself. And how could i receive a XXXX credit score?
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (LA)

I received updated XXXX XXXX report to XXXX an unknown debt by XXXX XXXX, " XXXX '' for " Chase Manhattan Credit Card '' ... this is probably a reaged debt opened in XX/XX/XXXX. I have not had any credit cards since XX/XX/XXXX except the ones I hold now presently. If this is proven to be my debt ... it is still beyond statue of limitations to report it on a credit report is it not? XXXX XXXX failed to mail any information to me etc to acknowledge this alleged debt. Is n't this illegal? What can I do?
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have paid off XXXX XXXXXXXX XXXX and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.
Consumer complaint received 2019-06-01
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. (GA)

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX  XXXX XXXX XXXX, XXXX, US DEP ED.
Consumer complaint received 2019-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I tried to send money to my brother through XXXX to pay for the car note since it was the fastest way. This was my first time using XXXX through Wells Fargo and there was nothing stating that you couldn't get your money back if you sent it. The transaction was on the XXXX of XXXX. XXXX asked for my brother 's number and his first and last name ( XXXX XXXX  ) .Turns out my brother gave me the wrong number ( XXXX ) which I zelled the money to. My brothers number is XXXX. We realized it was the wrong number after the fact. We called on the XXXX since we thought XXXX had a wait time. We filed a claim and we didn't hear back until the XXXX. Wells Fargo stated that they couldn't do anything about it at all. I've tried contacting the person that my brother sent it to but got told that they didn't know what XXXX was. My question is why does wells Fargo and all the other big banks use XXXX if it's not secure. Wells Fargo didn't say that XXXX was said and done no matter what when I first pulled it up. Is there anything I can do to get my XXXX $ back?
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After checking my 2 credit reports with XXXX XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.
Consumer complaint received 2018-06-27
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)

Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account and no contract for this account
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted XXXX some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? 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 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 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 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 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 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 2018-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I contacted the CFPB in regards to XXXX claim earlier and the claim was closed out. 
There are a total of XXXX claims : XXXX, XXXX, and XXXX. There was a total amount of XXXX {$1300.00}. 
Wells Fargos policy is that if the claim is processed within XXXX days of the first fraudulent transaction then provisional credit will be issued. I have only been issued of {$390.00}. 
This is completely unfair and unprofessional all together. 
On top of the fact that my claims were merged together and Wells Fargo never notified me of this which is supposed to be within their policy to do so. XXXX claim XXXX merged together with XXXX on XX/XX/12. 

I have attempted to speak to XXXX and the office of the president for escalations but i continue to get the run around. This is very frustrating and I cant get any help from Wells Fargo.
Consumer complaint received 2021-09-13
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (NV)

My credit report just showed I owe XXXX XXXX XXXX. I disputed it on my credit report but XXXX says it's a real debt. I have never heard of XXXX and have never received any mail, emails or phone calls telling me why I owe that amount to anyone. I am rebuilding my credit and this is a setback. I have never signed any contracts or aware of anything to do with XXXX.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendKey Technologies, Inc. (AZ)

This company Loan Key - Lend Key is the most dis-functional people I have ever dealt with. I took out a small {$2000.00} loan for medical. Payments were set up on auto pay for the XXXX of every month for {$92.00}. Plus i was making extra payments on top just to pay it off quickly. I noticed that online said paid but nothing was pulled from my bank. I called a number of times always getting the same answer. Your account is paid and no payments due. Then I called again to make sure on XXXX. After receiving an email my account is past due. Talked to XXXX at XXXX XXXX confirmed my {$300.00} payment and next payment due XXXX He guarantee everything was good. Got a call not but 20 mins later from lend key saying my account was past due. Told her I just talked to XXXX and he said all good. She said your right. Its all automated and I apologize. Then Saturday morning XXXX I got another email that my account is delinquent. Tried to call and closed on Saturdays. First thing today Monday morning i called to get the pay off amount. Again talked to XXXX he told he {$1900.00} I let him know would be paid off today. I was very unhappy with this company. Again not but 30 min later I get a call from lend key that my account is past due. These people are insane!!! I was n't very nice to her. She said OK have a good day. I made the pay off payment this morning to be done with this company. An absolute joke!! I have all my transaction history papers and notes. 
Someone really needs to look into this company and shut them down! No communication between there systems and people. Clueless customer service. Worst loan experience I have ever had.
Consumer complaint received 2022-09-13
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XXXX XX/XX/2017 I purchased {$700.00} worth of Bitcoin from Coinbase, over a couple days I canceled my account and requested a refund which I have not received as yet. After a couple days I called the Coinbase phone line It was answered and I was told that they needs to access my account to make put my money back so I opened my account but no money was deposited. That same day my account was hacked and {$1000.00} was taken from my account by Coinbase. I made an alarm and my {$1000.00} was refunded. I made some changes to my account after that so as to prevent anymore unauthorized transaction. The outstanding balance of {$570.00} was not refunded to me. As you will see from emails sent back and forth they are clearly trying to rip me off. Many phone calls and email later still no refund.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (TX)

I have paid XXXX XXXX in 2016. This company is no longer in existence, and I do not owe this debt SOUTHWEST recovery services plave on my credit file. I am getting calls and debt is place on my credit report for a debt I do not owe. I have asked them to contact the company ( XXXX XXXX ) to verify this.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I filed a complaint with the cfpb concerning a mortgage loan application ID for complaint : XXXX against Huntington Bank. XX/XX/2021. 
I received an email from a law firm containing a letter stating I am to " Cease and desist order '' from entering into any Huntington Bank Branch Office or contacting / speaking to Huntington personnel '' I called leaving a message for the attorney, XXXX XXXX on XX/XX/2021 She called me back and I explained that Huntington is our bank and our direct deposit Social Security XXXX and VA compensation checks go there and our Bills are auto paid out of our accounts. I said, " We have to have access to our accounts ''. She declined to listen any further and ended the call. 
I assume Huntington Personnel from the mortgage loan department contacted the Huntington legal team after the found out about my filing the complaint against them with the cfpb. I'd also like to note that the attorney, XXXX XXXX insisted I had made threats against staff and when I confronted her on that statement she changed her wording to say " I acted unprofessionally with my comments in phone calls and emails. '' I replied, " No. it the loan people handling my loan who acted unprofessionally by screwing up my loan 9 consecutive times and then blew me off without correcting the problems ''. 
The Huntington Bank and their Law Firm have unjustly blocked us from accessing our banking accounts at branch offices and from doing our usual banking needs for daily life. They did this, in my opinion, as a form of retaliation for my having filed complaints against the horrific way they treated us when applying for our mortgage loan. They are at this point literally holding our money/bank accounts hostage. They've placed us in a situation of not accessing our financial banking abilities and doing daily banking needs. 
I explained the XXXX XXXX, attorney, I had only had contact with mortgage loan staff at the Saline Branch and there are many other branches I could go to besides the Saline Branch. That was my attempting to compromise. That's when she discontinued our telephone call. Point of interest : XXXX XXXX, stated, after I pointed out there had not been any threats made to anyone, She said, " I used unprofessional communication ''. That more-or-less amounts to saying that I voiced my opinions and detest for in which the way they mistreated us during our loan process. IT DOES NOT CONSTITUTE a blocking of access to our Bank Accounts in a branch office. As I stated " I told XXXX XXXX I didn't need to use the XXXX Branch but I did need to use on of the other Bank Locations. This is another example of badly the Huntington Bank personnel are treating us. IT IS DISCRIMINATION and VIOLATES OUR CIVIL RIGHTS and the RIGHTS OF taking advantage of TWO XXXX PERSONS. They have violated our right to do fair and honest banking.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (WI)

On XX/XX/XXXX I received a letter from Franklin American Mortgage that my XX/XX/XXXX payment was XXXX less than the correct payment amount. I called the customer service line and was informed it was due to no proof in insurance, they forced place insurance coverage on my mortgage resulting in a short payment. I subsequently sent them a copy of my contents policy ( HO6 ) with them listed as additional insured. I was informed that they would reverse these charges and my account would reflect everything was normal. 

On XX/XX/XXXX I received a letter from Franklin American Mortgage ( FAM ) company indicating that they did not have proof of insurance coverage. I should provide them a certification of this coverage from the " master policy '' for the condominium association. I called the condo association who gave me the name of our insurance agent who provided me with a copy of the declarations page listing FAM as lean holder. 

My XX/XX/XXXX payment was cashed and it indicated that once again I was short {$73.00}. I called the mortgage company who told me that I did not provide them with proof of coverage for my condo. I asked them to look in their system and the previous conversation regarding the insurance situation. They said they would make the correction and to call them back in 3 or 4 days to verify things were corrected. 

Turns out that FAM was looking for declarations pages for XX/XX/XXXX, not XX/XX/XXXX ( a year and 4 months later ) which no one on the insurance desk or the customer service desk could articulate to me. I did in fact not have my HO6 policy in place for that year and sent in {$880.00} to pay for the forced place policy to clean up my escrow balance. 

On XX/XX/XXXX I sent in my payment of {$1300.00}. This is the payment that I have sent in for the past 4 years. I received a letter about 10 days later along with a check for XXXX saying I was XXXX cents short and they were returning my payment. I immediately sent in another check for {$1300.00}. I received in the mail another letter from FAM saying that they were charging me a late fee for not paying my mortgage on time. 

I called FAM on XX/XX/XXXX and asked them why did my payment go up XXXX cents. The CSR put me on hold, did some research, came back on the line and told me my normal payment was back down to {$1300.00} and that the XXXX cents they added to my escrow account would be reversed. As of the the writing of this complaint, the mortgage still shows the late fee and an escrow balance of XXXX cents. 

My complaint. The customer service line makes comments that they will reverse the situation and correct my escrow account and balances. They continually send me letters that are in direct contrast to what the CSR 's tell you on the phone. My credit has been downgraded, I have been penalized for late interest, my payment went up XXXX cents for no apparent reason. I have once again been promised by FAM that they will reverse all these issues, but have no faith in their promises.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NJ)

I received an unsolicited XXXX branded credit card from Chase. I called Chase at ( XXXX ) XXXX. I submitted the card number and was asked to verify my personal information. The information was correct except for the telephone number. Scary. I was given the telephone number of XXXX credit reporting agency and told to request a credit freeze. I did as directed. XXXX sent a confirmation letter with instructions on how to navigate the credit freeze. No information was given as to how this account was opened. 
I learned from news media that another bank has been fined for this practice. Evidently, this is an industry practice that CFPB should be correcting.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected
Consumer complaint received 2022-09-13
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. (LA)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you