davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This afternoon I received a call from XXXX. This auto-dialed number left a robo-voice message saying that it was from " XXXX XXXX   : a debt collector '' and telling me to call XXXX. I do not have any outstanding debt and I pay my credit card in full every month. So, there is no reason a debt collector should be calling me.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

Chime denied my duplicate charge claim and not they said they reopened it and taking more time without giving any temporary credit nor any information about why they think an issue didnt occur. this is uncalled for! this was for Dispute # XXXX for XXXX transaction that happen twice. XXXX for {$100.00} and another for {$200.00} they gave no reason to why they dont think it was a duplicate litterally happen seconds from each other!
Consumer complaint received 2021-12-03
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( US Dept Ed, Dept Ed/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2022-04-27
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account 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 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, Sage Stream, XXXX  inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX XXXX . My current and only address is XXXX   XXXX  XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). 

I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. 

I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!
Consumer complaint received 2021-12-03
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. (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NJ)

I opened the custodial checking account with Axos Bank on XX/XX/2021 and tried depositing {$1000.00} check via the mobile app. 

I have been getting rejections twice. After the third attempt, the deposit finally had been " successful '' ( XX/XX/2021 ). Since then, I am still waiting for the funds to show in Available Balances ( it has been 8 business days already ). The money has been taken out from the original bank account, but is not available in Axos account... 

Calling Customer Service does not help. The response is " check is on-hold '', but why? Please help, this bank is terrible. 

Bank Name : Axos Bank Account # : XXXX Name : XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mid-South Adjustment Co., Inc. (AR)

I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and the XXXX XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment CO. and The XXXX XXXX XXXX  have violated my rights as a protected consumer under 15 USC 1692.
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. XXXX  and TransUnion said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting
Consumer complaint received 2021-12-03
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}
Consumer complaint received 2018-02-27
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. (NY)

I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am seeking reimbursement of a total of {$700.00} due to the described below fraudulent transactions. On XX/XX/2021, I logged into my account and found a total of four transactions which were not authorized by me in my Checking Account. 
I then called Capital One to report the fraudulent transactions. The Capital One explained that my account will be closed. 

The following are the unauthorized fraudulent XXXX  transactions I reported to Capital One on XX/XX/2021. 

XX/XX/2021 {$200.00} sent to XXXX XXXX XX/XX/2021, {$200.00} sent to XXXX XXXX XX/XX/2021, {$150.00} sent to XXXX XXXX XX/XX/2021, a second {$150.00} sent to XXXX XXXX Above describes a total of {$700.00} which was withdrawn from my account using the XXXX XXXX. 
Please also note that I did not receive a text message to my phone ( which typically occurs ) when these transactions were initiated and successful. 

Capital One has sent a total of 5 letters, dated XX/XX/2021 denying my claim to reimburse the {$700.00} above ( see attachments ).
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a loan modification through Bank of America. The balance at the time was approx, {$88000.00}. 

After the loan modification, my balance increased {$30000.00} approx. I want to know why this significant increase. I was told that if I didn't sign the forms that I would lose my home and I don't have any place to go. I'm XXXX, XXXX and low income so I feel like Bank of America is discriminating against me because of it. my remedy is to do the loan modification without the {$30000.00} addition. also please explain the {$30000.00} addition.
Consumer complaint received 2022-04-27
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account 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 2021-05-06
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: JPMORGAN CHASE & CO. (AZ)

Applied for a Chase Saphire Preferred card in the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX on XX/XX/XXXX. 

Banker took my information and a full application was submitted. After a long wait, it was apparent that there was some sort of error and the application did not appear to go through. Out of an abundance of caution, the banker called the Chase lending department to inquire about the status of the application. He was told that an application did not go through, my credit was not pulled, and was advised to resubmit my application through the chase website directly. 

It was noted that this was a known error when applying for this card in branch, and that I would not be at risk of two hard inquiries. The banker then submitted my application again and I was approved. 

The following day, my XXXX  credit report showed two hard inquiries from Chase Bank. The first on XX/XX/XXXX, and a second on XX/XX/XXXX, the day after my initial application. 

The banker who processed my applications reached out directly to the lending department on XX/XX/XXXX to request that one inquiry be removed as it was the direct result of incorrect information given from the Chase lending department. The agent said there was nothing that can be done, instead passing the blame onto the banker. Again, I was present when the banker called the lending department to advise if my applicaiton had been submitted and was ensured that it had not.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (CA)

On XXXX, at XXXX, I discovered that a fraudulent account with Chime.Com was opened using my personalemail in XXXX, Ca using a phone I do not own ( XXXX ) - I live in XXXX XXXX area and not XXXX XXXX so its definitely not me. I called Chime and they confirmed an account was opened, but could not cancel the account as they required the last four of my SSN and my DOB, which i did not feel comfortable providing. As such, they did not close the account but only removed my personal email from it. There is allegedly a bank card in the mail, but Chime refused to cancel the account although they were able to confirm that this account was open fraudulently. XXXX. I filed a report with the company y, but they refused to provide a case number or correspondence confirming the fraudulent activity. I spoke with XXXX from Chimes Member Protection department, but he did not give me any further information. I also requested a supervisor/their information, but this was also not provided. Chime Refused to close the account although it was confirmed this account was opened fraudulently.
Consumer complaint received 2022-04-07
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: Advanced Resolution Services Inc. (MA)

I disputed by certified mail on XX/XX/2022, XX/XX/2022, and XX/XX/2022 this bankruptcy with the case number XXXX because Advanced Resolution Services is reporting inaccurate information because this bankruptcy is not mine because it is not my correct name, my full social security number or my full date of birth so, I am attaching my Social Security Card picture showing my correct first name and last name because it is different from your documents. ARS you must remove or delete this bankruptcy immediately because you have wrongfully mixed my name with some else information. 

You responded to me on XX/XX/2022, XX/XX/2022, and XX/XX/2022 file # XXXX did not fix or deleted this false reporting on my bankruptcy because you did not investigate 100 % so, please delete or remove this bankruptcy immediately. 

I attached 6 supporting documents including my identification and the US postal service tracking numbers please check.
Consumer complaint received 2019-08-17
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. (CA)

Y ou need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Consumer complaint received 2020-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I am currently dealing with a fee of {$960.00} tacked on to my existing mortgage by XXXX. XXXX transferred out mortgage to Mr Cooper about 1 month later. This fee was also carried over. They were in some kind of transition limbo and we had no way to try to solve this right away. 
I penned a letter to them and they gave me a canned response without even thoroughly researching it. 
When I responded to them I received no more communications and they deleted the dispute. 
I need help. Due to this fee I am not allowed to pay anything extra to the principal of my mortgage. 
I just want the fee waived. I have clear evidence we are not in the wrong. 
I have included the letter I wrote to them as well as the follow up to explain further to no avail. There is also our bank receipt to prove we paid and a screenshot of our mortgage payment page with the " Add additional principal '' grayed out unless we pay the fee. 

Thank you for your time. 

XXXX and XXXX XXXX
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

This is a complaint regaurding the website Coinbase. Recently ( around XX/XX/XXXX ), when logging into my coinbase account I received a notification that a debit card transaction from XX/XX/XXXX for {$500.00} was reversed and that I was required to make a payment of {$500.00} to unlock my coinbase account. I contacted my bank to see if there were any payment reversals from coinbase and there weren't any. I have bank statements that can prove this. The debit card I made the purchase with is no longer active as well, although I don't see how this could affect this situation. I contacted the coinbase support team and they said they created a support ticket and in the meantime I did nothing with my coinbase account. I had a balance of over {$1200.00} in my USD wallet on coinbase and a few days later Coinbase decided to take out {$500.00} from my USD wallet and forced me to double pay for a transaction I already paid for, leaving my balance in my wallet on the coinbase website with only around {$700.00}. I feel completely scammed by coinbase because there is no way a reversal could have happened because COINBASE ALREADY RECEIVED MY {$500.00} ON XX/XX/XXXX. So I was charged twice. Once on my debit card on XX/XX/XXXX, and I was charged again from my coinbase wallet over a month later. I would not have received the cryptocurrency coins I purchased if it didn't go through. I would like my {$500.00} back and can provide any necessary information to prove that there were no payment reversals by my bank. The support ticket I opened with the site is support ticket XXXX.
Consumer complaint received 2021-12-03
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account number XX/XX/XXXXXXXXXXXXXX Original creditor XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (WI)

CRYPTO.COM does not responds for over a month. There is no telephone and no address. I used to trade with them and they have assets either crypto currency or US dollars that I want returned, but they dont even reply online to me. Can you help? My name is : XXXX XXXX XXXX aka XXXX XXXX XXXX ; XXXX XXXX XXXX, my Email : XXXX, XXXX.