davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Some thief stole my prepaid card number and my PIN, and using a duplicate card withdrew {$980.00} from my account on XX/XX/2021. Withdrew {$1000.00} from the account on XX/XX/2021. And withdrew {$1000.00} from the account on XX/XX/2021. 

The card holder agreement clearly states that when fraud is reported the the account holder will not be liable for losses. Instead, Bank of America is not only refusing to compensate me for this fraud, but has frozen my account and seized all the money I have, making it impossible to pay any bills. 

I have filed a police report for the money stolen, and have asked Bank of America to review the pictures from the ATM machine of the person who stole my money. I hope they will give these pictures to my local police department and the FBI. I require help getting BofA to return my money to me.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/08 : Deposited money order at Chase bank ATM XXXX ID : XXXX amounting {$4400.00}. There is something wrong with the machine and received a receipt stating to call chase number if my deposit didnt go through. My daughter went inside the bank and the guy told us to just call. I called and filled a claim provided them all info and money order numbers. They gave me this claim number XXXX. I called again today and was told that they put on hold my deposit as they cant find the other money orders in that bank. They are not giving me accurate answer and I don't know where my money is now. I have all the receipts and copies of my money orders and where it came from. Now, chase is stating that they cant find the whole amount but I deposited all the money orders in that machine.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

i have an active account with Paypal.com to collect rent every month. in XXXX, there is a XXXX charge on the XXXX, and there are two deposits of rent, one transfer ( which i made ) but now i can not access my account. I have tried sending emails and texts to every known address. no one has contacted me, even by text. last month, there was a breach of my credit card and i think it may be related. XXXX has tried to get info from me regarding my address etc. and i refused. i think it needs looking into. at the very least, someone needs to call me, which i have requested many times.
Consumer complaint received 2018-03-01
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. (PA)

My account auto account is reporting as late/derogatory and it is showing as being paid in a payment plan through chapter XXXX. This information is incorrect. My auto account has never been late and it is paid directly to XXXX.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on XXXX, Experian, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Disputes Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX RE : My TransUnion letter dated XX/XX/2021 ( attached ) I need help with my TransUnion letter indicating that my Police Report is not valid. I have unsuccessfully tried through correspondence with TransUnion to understand the reason why they are claiming ID theft Report not valid. 

To help understand, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the Fate, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

The enclosed Police Report has two assigned Officers -- Officer XXXX badge number XXXX and Officer XXXX badge number XXXX. The Report lists the Reviewing Officer as Officer XXXX badge number XXXX and a Records Officer as again Officer XXXX badge number XXXX. 

Please note that within the letter from the detective who is now assigned to the case, it states that this police report was filed with the Fate DPS and is assigned to Detective XXXX. 

Is this enough information to make my ID theft Report valid? 

If it does, please somehow let TransUnion know that my Police Report is really valid. 

I have also tried unsuccessfully to dispute the following TransUnion reported fraudulent accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX Account XXXX XXXX 2. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX Similarly, I am enclosing my completed TransUnion Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

If you can, please ask TransUnion to accept my Police Report as valid and remove the above fraudulent accounts from my TransUnion Credit Report. 


You may contact me at XXXX XXXX XXXX XXXX, if further information is needed. 

Thank you. 

Sincerely,
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I have a serious situation on how did my Mother 's Name Get removed off her Mortgage statement? In 2012, my mother passed away and I was the co-borrower on on home mortgage.At that the XXXX XXXX was the Loan Holder.I submitted my mother 's death certificate to XXXX XXXX and her name was removed off the mortgage statement.When I submitted the death certificate I was not listed as the Power of Attorney on the Death certificate.I kinda felt something wasn't right because soon after the loan was sold to Penny Mac mortgage company.What I am trying to find out is how am I liable for a loan of my deceased mother and I am not the Power of Attorney on her death certificate.This seems like they sold the loan and removed her name and the death certificate never transferred to the next mortgage companies the purchased the loan.It Seem like her death was used as financial gain.Please look into this Grave matter.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

Hello, I received a call notifying me they were attempting to collect a debt. I told them to not call me and to send something to me in writing. I have yet to receive anything in the mail, but have seen where they are going and reporting this to the credit on a monthly basis. This is unacceptable.
Consumer complaint received 2019-08-19
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. (MD)

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX   Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXXt  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.
Consumer complaint received 2020-10-31
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. (FL)

XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/EQUIFAX to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX  I received an email from Equifax stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or Equifax to verify their false claim. Equifax is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to Equifax with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.
Consumer complaint received 2021-07-18
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. (AZ)

I called and spoke with a customer service agent there at Equifax explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.
Consumer complaint received 2021-05-27
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. (CA)

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX reports XX/XX/XXXXXXXX  reportsXX/XX/XXXX Equifax reports XXXX
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

i have missed several payments due to reduced income in my household. When i reached out to my lender for assistance they informed me that they would not consider the short sale, due to the foreclosure sale date being so close, but even before then they did not assist me with any alternatives. I am struggling to get something done and i now have an offer that i would like for the lender to review so that i can at the very least sleep at night. I am so stressed out about this whole thing that i am beginning to feel despondent. Please help me.
Consumer complaint received 2018-03-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I have filed several reports with Experian concerning XXXX XXXX agency. I have also sent letters to XXXX. They have not properly validated the debt and each time that I filed a dispute with Experian. On XX/XX/XXXX I filed a dispute with Experian and they responded back two days later that the company said it was verified which was XX/XX/2018. I later called Experian and spoke with a representative and she said this is done by a computer. How are they investigating anything if it's done by a computer? On the XX/XX/XXXX I then filed another dispute regarding XXXX XXXX XXXX and how they did not respond to any of my letters in the 30 day FCRA and it came back verified with Experian again. They have not provided viable evidence bearing my signature or provided me copies of any documentation associated with this account, bearing my signature. Given that I believe they are acting in bad faith, and have not complied with the federal and state laws.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. The representative told me that this information could be deleted once they had an identity theft report sent to them. I have not received anything from this company neither have I applied for anything from them. I have no idea who has used my information.
Consumer complaint received 2021-05-27
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. (CA)

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX  reports XXXX Transunion reports XXXX XXXX reportsXX/XX/XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NE)

Using XXXX, I tried to order Equifax report online, answered all the questions correctly, and was told they were unable to provide online report and said I had to complete a form and mail to them along with several identifying documents. I then called them and they verified me over the phone and said they would mail, but it would take 10-15 days. This happened exactly like this the last time I tried with Equifax back in XXXX 
Same thing with XXXX. Only XXXX would allow online request. 
Equifax and XXXX are making this onerous. Is there anything you can do? 
The XXXX website says : " You can ask for your free annual credit report from XXXX XXXX XXXX XXXX You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process. '' Obviously, Equifax and XXXX are not complying with the above. Is there anything the CFPB can do to correct this?
Consumer complaint received 2021-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (IA)

Tek collect is has sent me to collections for my deceased mothers XXXX XXXX bill, she was discharged directly from the hospital to the XXXX XXXX at the time this was happening they called me to authorize and I explained that I myself are on XXXX from XXXX and I have no authority to authorize nor am I her power of attorney. I have contacted the XXXX XXXX but they have said that they no longer will discuss this because it was sent to collections, Ive also disputed with the credit bureau but Tek collect stated it was valid. I have called Tek collet many times and leave messages and they never return my call.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

Sender sent the money, when I went to pick it up they had me call to obtain a pin. Once I received the pin they said they had the money but that the sender had to call again. I asked the sender to call and then I went back again and called and they told me that it was picked up by someone else. When I inquired to find out by who they refuse to specify citing privacy issues.
Consumer complaint received 2020-09-09
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. (IL)

On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (MI)

I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am getting threats to repay a loan from ACE cash express taken in XXXX which I have not taken .The bank account XXXX XXXX XXXX where the amount is deposited is not mine. 

Please report a fraud
Consumer complaint received 2021-05-27
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. (VA)

ACCORDING TO MY BANK CHASE PUT A STOP PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!! I ONLY HAD IT FOR ABOUT A MONTH!!!!! XXXX????? THIS IS COMPLETELY UNACCEPTABLE AND NEEDS TO BE FIXED IMMEDIATELY!!!! I CAN BE REACHED VIA EMAIL!!!! STOP HAVING ROBOTS CALL!!! I CAN'T UNDERSTAND A WORD THEY'RE SAYING!!!! I'VE BLOCKED YOUR PHONE NUMBER!!!! REPLACE MY CHECK WITH A VALID ONE SO I CAN BE DONE WITH CHASE FOREVER!!!!! YOU XXXX EVEN SENT ME A " RECEIPT '' OF THE CHECK!!!!! BUT THERE WAS NOTHING ABOUT A STOP PAYMENT!!!! I SHOULD NOT BE CHARGED {$15.00} BECAUSE OF YOUR BOGUS CHECK!!!!! THIS IS ABSOLUTE XXXX!!!! CUSTOMER SERVICE XXXX