davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (TX)

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX IMPROPER USE OF CREDIT REPORT/NOT INACCURACIES
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Hello, I am reaching out once again regarding my debt. This is in response to the non-response I received regarding CFPB case : XXXX. Please send me in writing the amounts I owe for the TWO amounts showing on my credit reports. Responding " we sent this already '' is unacceptable customer service as I would not be reaching out to you if I had received the information before. You can attach it to the CFPB response as a PDF, please. 

I need you to show 1. ) The amounts owed of {$1700.00} AND {$250.00} 2. ) The dates that these amounts were accrued 3. ) The procedures completed for these two debts 4. ) The discount provided for being uninsured. 

I have another collector attempting to collect on a medical debt and require this paperwork to compare the information. 

Thank you
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

On XX/XX/2021, I sent {$1500.00} through the Zelle add-in on my mobile banking app, XXXX XXXX. 

I sent it to a person with a Zelle account that is NOT through their bank. 

Once the intended recipient didn't receive the funds, I called Zelle, who informed me that they can't help because it was through my bank app. The recipient has no receipt of the money within their Zelle app, but my bank statements do have the receipt. 

I have now opened 2 or 3 different disputes with my bank for this amount as well, with no update or anything coming from my bank. 

Given the time period, it has been frustrating - I had waited a more than appropriate amount of time before complaining again and then before sending in this comment as well. 

I can also provide photos of the intended recipient 's empty Zelle account as well.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I was buying concert tickets. Was in conversation with women who said she would send tickets through ticketing website. I sent funds never received tickets and now have been blocked. This happened on XX/XX/2022. I sent {$150.00}.
Consumer complaint received 2019-04-04
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. (CA)

XXXX XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the  attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.
Consumer complaint received 2022-09-12
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On the XXXX of XXXX I noticed XXXX dollars missing from my bank account with chase I saw lots of different transactions that where not made by me I submitted a claim that I detected fraud on my account I waited 3 weeks for chase to do a investigation once it was completed they told me there was nothing they could do they closed my account with my pay check that was deposited by my job of XXXX I have pictures to show everything there was also 3 checks deposited into my account they where all fraudulent checks taking money from people I have XXXX  before chase will not do anything to help and will not refund the money that was taken.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Let me preface what Im about to describe by stating that even after hiring a lawyer, we were never told about filing a complaint here, nor were we told the bank/lenders actions were wrong ... maybe illegal?! That will explain why I am just now filing this claim/plea for help. 
During the housing crisis of 2008, unbeknownst to us, Countrywie Home Loans sold our home loan to Bank of America ( BOA ), This triggered a set of events that we continue to battle to this very day!

We were never notified in ANY way that our loan had been sold AND the terms of the loan had changed until our automatic payment ( s ) were returned by Countrywie. It was at that point we were informed our loan had been sold and terms changed via BOA. Bank of America notified us that the payments were returned because we had not been paying the full amount due to the change in loan terms/payment amount, and if we didnt pay $ x we would face forelosire!! 
To make a long story short, we nearly lost our home to foreclose ... we were even encouraged by BOA to stop making payments so we would qualify for assistance! Fast-forward to today ... not only did we lose tens of thousands of dollars in trying to correct a situation that should have NEVER happened ... thanks to BOA, but ou credit has been irreparably damaged! 
I truly wish we had known about this claim process as an option when this situation began. It is my hope at this point that either we can recover funds for which we still believe we shouldve never had to pay or that our credit can be restored so we can finally move on with our lives post BOA credit damage! 
BOA has made our lives a living nightmare for almost 10 years! 
Any help you can provide is greatly appreciated! Thank you!
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I received my EIDL disaster recovery loan into my bank account that I have used for my XXXX XXXX for more than a decade. My original EIDL loan also came to this account. Now Citibank is freezing the money in my account stating that I can not use my account for this money. I need to access the money that I got from the federal government to continue running my XXXX!
Consumer complaint received 2019-04-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (PA)

Regarding Chase/AARP credit card # XXXX XXXX XXXX XXXX. Primary cardholder is XXXX XXXX, XXXX with XXXX XXXX as an authorized signer. On XX/XX/XXXX we received a revised statement from Chase Bank regarding our credit card account which has been closed since XX/XX/XXXX due to fraudulent activity. The revised statement stated a new balance of {$0.00} with a minimum payment of {$0.00} with a credit of {$350.00} which because of the account being closed we could request a refund check be mailed to us. We've called once a week since then and was told the check was mailed out twice and on XX/XX/XXXX we were informed the check was cashed on XX/XX/XXXX. The only problem being we never received the check, never saw the check and certainly never cashed the check. Now we have to wait for a letter and a copy of the cancelled check and then we have to file a police report for fraud, I then have to call Chase with the police report number and maybe they will issue another refund check to us. We have had issues with Chase Bank regarding fraudulent activity for 1 year which we have been trying to resolve. I have spoken with numerous people on numerous dates about this issue, We had 7 new credit cards from Chase because every time fraudulent activity was detected, that account was closed and a new card was issued. Our last card was closed on XX/XX/XXXX and never reopened. We have had so many excuses from them I lost count. I want the {$350.00} we were promised by them and I feel is the least we are owed. The things are still not settled. They keep on saying they are mailing us stuff which we don't get, the things we are not getting are the things that are supposed to help us get our money. If I could afford a lawyer I would of gotten one months ago.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  City, State Zip XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not lat

er than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (FL)

I receive these phone calls for an account of XXXX. Have received for several years using my cell phone number, which I have owned for 20 years. I have asked repeatedly for them to delete and to notify the debtor that the number does not belong to this party. I am told that the number has been deleted but constantly get phone calls. I took the action to the Attorney General 's office in MO from an agency in MO. The agency admitted that they had contacted me several times. The calls have stop there. However, I keep getting these calls from a particular company out of TX and have for years. I have been assured many times that the number has been deleted. Today, I received another. It is time for this harassment to stop and never call again.
Consumer complaint received 2021-03-02
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: DISCOVER BANK (NY)

On XX/XX/XXXX I found an unauthorized inquiry on my credit report. On XX/XX/XXXX I mailed a letter to dispute inquiry with Discover, however I never received a response.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (FL)

ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to  the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXXXXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2021-07-15
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. (FL)

These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-08-21
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. (CO)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax recently had my XXXX credit card balance listed at {$8.00}, which was correct. It is now at a XXXX  balance. Today, I get a credit alert showing the balance is back to {$290.00}. This is incorrect. I have not made any charges on the card and Ive worked hard to pay off all my credit cards. This will cause my credit score to drop. What are they doing?
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I obtained my credit report online and based on my findings there was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Consumer complaint received 2020-08-21
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. (CO)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings (CO)

I have received multiple fraudulent emails claiming that I owe {$970.00} to speedy Cash doing business as their speedy XXXX XXXX etc etc etc I do not have a payday loan out from these people I never have so I'm quite certain I don't know them anything but they keep sending emails after email and I've responded back many times and they just send another email and it says it's the email address is for me attorney XXXX something or other but the name on the email is XXXX XXXX so it makes no sense
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear maam/ sir Capital One closed my account for the risk account as they said. 
I got scammed {$39000.00} by XXXX XXXX, who was my friend, in XXXX with two checks for investment, The first check is {$20000.00} on XX/XX/XXXX. The second check is {$19000.00} on XX/XX/XXXX. But XXXX XXXX didnt invest the money for me, I reported it to a government agents, FBI XXXX police office, XXXXXXXX XXXX XXXX..all I could. Finally XXXX XXXX XXXX, in Florida. He helped me in my case and is connecting with the scammer, XXXX XXXX, she lives in XXXX. and I live in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX XXXX is helping me so hard to get my money back. XXXX XXXX finally wired me {$10000.00} XX/XX/XXXX from her XXXX bank to my Capital one. Then Capital one closed my account.. I checked with Capital One XX/XX/XXXX and let them know I am a victim of a scam case, XXXX XXXX is helping me to get money back and also tell them all the details they want to know.. 

Capital One still determined to close my account and said I am not allowed to open a new account in Capital one anymore.. 

I was What? and asked them the reasons and communicated with them with kindly tone.. They said my account is a risk account and didn't give me any reasons.. I am a victim not a criminal, why did the bank punish me and didnt even tell me the reason.. ( I know they have the right not to need to let the customers know the reason ) They will send me the information and all my balance with a check. it " may be '' not including {$10000.00}. They may/ might keep the {$10000.00} to do some inspection. ( I get this point.. ) But what I dont get is why they ban me from using Capital one? I didnt do anything wrong, I am a victim I am afraid it would affect my credit and my husbands, cause the account is under both of our names And the criminal, XXXX XXXX XXXX still is able to use her XXXX  accountThat is sooo not fair and not right. 

Please help!! Thank you so much!!
Consumer complaint received 2021-05-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Over the past 9 years my family has been paying the loan off the best we can with the economy. Our payments were current until Covid. Navient company has been harassing me XXXX XXXX XXXX XXXX XXXX and grandparents XXXX XXXX and XXXX XXXX XXXX. My grandfather XXXX XXXX XXXX has been diagnosed with XXXX. 2-3 months prior to this diagnosis Navient had called us multiple times and asked for payments that I informed them that we could not pay. I removed my grandparents number from the account profile so that they wouldnt be called but they were still called. I ( XXXX XXXX XXXX are homeless and cant pay and have told Navient this. Please stop the calls, at least to my grandparents