davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (IL)

XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. XXXX  XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.
Consumer complaint received 2020-12-08
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: GOLDMAN SACHS BANK USA (CA)

XXXX  has been ignoring my calls for a investigations into fraudulent accounts. 
Each tome i call they hang up and or tell me they cant find the documents i have submitted. 

Each time i file a CFPB complaint they reply with " this is not you ''
Consumer complaint received 2020-10-24
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (OH)

* XX/XX/20 - Bought 3 plane tickets to XXXX from Chase ( actually called my credit card number so Im not sure of the distinction between Chase Travel and Chase ).

At this point there was little to no talk about the Pandemic issues 2 were charged to my Sapphire card - {$3400.00} 1 was bought using XXXX points from my Sapphire account ( equiv cash value = {$1300.00} ) * Flight was supposed to depart XX/XX/XXXX return XX/XX/XXXX * Travel Ban to XXXX imposed XX/XX/XXXX 1.News was reporting the travel ban was going to happen. It was at this point and for the ban reasons alone that I cancelled all reservations ( I am not sure of the exact day but it was  within days of the XX/XX/XXXX Travel Ban ). Their position that these were no cancellation reservations is invalid because I did not cancel for my reasons - I could not take the flight!

2. Right about the same time ( again not sure exactly but within days ) I disputed charges with Chase Travel and on the Chase Sapphire credit
card 3. To this day I have not paid for two of the tickets. I have paid for one with my points which I am asking for a refund.

*Through seven months of you dont have to pay/you have to pay just last week was again told I have to pay for a flight I couldnt take. The merry go round continues. I am receiving bills with interest and late charges accruing for the two tickets originally costing {$3400.00}.

Find the following four ( 4 ) enclosed items that provide additional details : 1. Letter submitted to local Chase Rep XXXX - ( XXXX XXXX - VP/Branch Manager - Consumer  Banking - XXXX ) I was getting nowhere with the phone support people - hoped a real person would help the situation - she was very kind and forwarded it onto corporate - we/she recently received corporate response ( XX/XX/XXXX below ) XXXX agreed with my position but said her hands were tied its a corporate thing- she can do nothing else to about it but offer advice to take this to a lawyer - no lawyer wants any part of this.

2. XX/XX/XXXX - were please to tell you weve resolved your dispute 3. XX/XX/XXXX - most recent just kidding we didnt resolve your dispute - you need to pay this 4. Original email booking confirmation from Chase Travel
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.
Consumer complaint received 2020-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AL)

To Whom It May Concern, I am writing to you regarding my mortgage with Selene Finance. I received a letter from XXXX XXXX stating that were cancelling my homeowner 's insurance on XX/XX/2020. I called Selene Fiance a week later to report that I am no longer using XXXX XXXX for my homeowner 's insurance, and I have a new contract with XXXX XXXX. Selene Finance renewed that policy with XXXX XXXX without my consent. XXXX XXXX and my self have reached out to Selene Finance regarding my homeowner 's insurance on several occasions with no resolution. XXXX XXXX has informed me that I have until XX/XX/XXXX before they cancel my policy. I am asking Selene Finance to change my homeowner 's insurance to XXXX XXXX immediately. I would also like for my mortgage to be reported to all credit bureaus. 

XXXX XXXX Loan Number XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

I was incarcerated  for XXXX years from XX/XX/XXXX to XXXX year XXXX I had an American Express serve card and I had Social Security XXXX benefits going in to my account however during my incarceration  a Business from XXXX named XXXX XXXX took out a lump sum of almost {$12000.00} out of my account and XXXX was taking out XXXX a month or {$1400.00} in music fees that I did not authorize I dont on a XXXX XXXX only on XXXX products and it was done on a XXXX XXXX I try to resolve my problem of fraud with American Express I gave them my incarceration  paperwork stating the time frames I was incarcerated  and I gave them all the debit transactions that feature places was debiting large sums of money anywhere from {$150.00} up to {$4000.00}. The last transaction was {$4000.00} on XX/XX/XXXX I try to resolve this with American Express and XXXX XXXX was the only one that gave me a confirmation number that it was fraud but American Express absolutely did not give me nothing back at all and I did not make none of these charges or had access to a computer incarcerated.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NH)

My Citi bank account was on hold back and XXXX and they told me they were closing my account. This account had all my money ( {$17000.00} ) and there was nothing I could do. I waited and waited and waited for a check to come in the mail for my money. They finally let me know they closed my account on XX/XX/XXXX. This is 4 whole months later. But finally it's closed and they tell me 5-15 business days until I get my check. It's now been a month and nothing. I received my final account statement and it said my starting balance for the month was {$17000.00} dollars but my ending balance was XXXX. It shows under withdrawals as " other withdrawal : {$17000.00} '' i call up Citi and after an hour on the phone one of the supervisors tells me that Citi bank owes me zero dollars because that is what the last statement says. And hung up on me immediately. So now I'm panicking as every penny I worked for is gone and I'm at zero dollars and Citi bank hangs up on me every time I call them and ask about my account. Please help me Its also important : this started as a fraud hold that I tried to clear up from a purchase of mine and then they put my account on hold for over a month in XXXX. I kept calling and calling and calling and they finally closed my account on XX/XX/XXXX. That is when it shows on my final Statement that other withdrawal of {$17000.00}. I keep calling them and they keep telling me I have zero dollars due to me because thats what it reads as my last statement.
Consumer complaint received 2018-07-17
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)

I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX,XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Consumer complaint received 2021-09-21
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. (TX)

Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

Contact made on XX/XX/2021 to set up payment plan. When I stated that I was not able to pay full amount and would like to set up a payment plan they became completely irate demanding that I pay full amount with a credit card. Stated that they would take full payment for deleting off credit but would not. Provide any proof of this. They threatened to ruin my credit and garnish my wages.
Consumer complaint received 2021-09-21
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. (TX)

Clarity services has two fraudulent accounts appearing on my clarity services report. There is a charged off XXXX acct and a charged off XXXX Account, charged off XXXX  acct. I filed bankruptcy XX/XX/2021 this was discharged XX/XX/2021. These accounts were also included because of the identity theft. Yet clarity services is attempting to show these as charge offs and trying to collect on the Accts. These accounts arent collectible as they were discharged. Its illegal to continue to falsely report these.
Consumer complaint received 2018-07-19
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. (IL)

Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

XXXX XXXX fraudulently placed this account on my report. Sold it tonsecurity credit services. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
Consumer complaint received 2023-03-24
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. (NJ)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2018-07-19
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: EQUIFAX, INC. (IL)

Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On XXXX XXXX, I sent Bitcoin to someone whom I ws purchasing a vehicle from, I sent it from my XXXX account to her cash app account, cash app not only kept my money and didn't refund it but they will not answer or give any explanation as to where is my money and why have they not reversed the transaction! I want my money back as I never received the vehicle nor my money back! How is a place like tht allowed to operate, apparently, it's not their first time doing it either!
Consumer complaint received 2020-10-24
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. (MI)

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NV)

Someone needs to call me from the corporate offices of Wells Fargo about the staff in your applications department. I have attempted repeatedly to get ahold of them and they have not let me speak to them and I keep getting agents off shore.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (SC)

Chime has frozen my account due to a return of {$2200.00} from XXXX  .. they claimed there were no transactions in relation to the returns yet the original payments all came off this account and were returned in the same increments. 
Original payments - XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$1200.00} Upon return of these transactions ( in the same order that they were taken out ) my account was frozen! I have to prove, without access to my account, that these charges are valid even though they VALIDLY sit right in my account transactions history! This is NOT OK. I am without a dime and my XXXX young children will be missing out on their holiday due to the incompetence of Chime/XXXX  review of transactions on accounts. I have sent every email that is necessary, had a supervisor verify the original charges, yet am still sitting here having to wait for a 2 to 3 day process of review. I should not have to go through a legal process of review when the initiation of said process was never legally valid to begin with.
Consumer complaint received 2020-12-08
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: Bread Financial Holdings, Inc. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCAPITAL/XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report perXX/XX/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 2020-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

XX/XX/2020 I paid my loan off in full. The information I received in regards to the payoff amount was varied so I paid over. I paid the loan off in form of a cashiers check. I am sue a refund of XXXX . NetCredit says they will not issue a refund until after 30 days this is appalling given I have paid the company over XXXX in interest and I had the loan for 14 months. If my refund is going to be held I want daily interest applied towards my refund amount as they charged me!
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to Rushmore in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by Rushmore when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to Rushmore, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to Rushmores Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. Rushmore strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.