davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-06-05
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (CA)

XX/XX/2007 The Statement said {$1800.00} but when i call the Bay Area Credit Service they said i own {$3400.00}. when i call the Bay area credit service and told them they said its not been pay. i call XXXX XXXX XXXX the gentleman said he been working here for 2 years and don't know where to look for this account
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2019 I received a cashier 's check from someone I had sold an item to. The check was for {$1800.00}, this included fees to pay the movers to pick up the item as well as the cost of the item. I did not release the items sold because I wanted to verify payment was legitimate. I went into Chase Bank, located at XXXX XXXX XXXX, XXXX, CA XXXX, to deposit the check. The bank teller ( name not remembered ) informed me the check looked legitimate and accepted it. On XX/XX/2019, I reviewed my Chase bank account and discovered the funds were available in my account. Based on the funds being available, I called Chase Bank and spoke with a bank representative ( on a recorded line ) to double check the funds were available in the account. They assured me the funds were there and it was okay for me to pay movers and have them pick up the sold items. Based on their confirmation and assurance, I submitted an online transaction via XXXX in the amount of {$1100.00} for movers to pick up the item. On XX/XX/XXXX I received an email informing me that {$1800.00} I deposited on XX/XX/2019 was returned. Due to this information, I went to Chase bank, located in XXXX, to discuss the situation and they informed me that I had been a victim of a scam and lost {$1100.00}. Together, we called Chase support to open a fraudulent claim and spoke with XXXX XXXX ( refused to give her last name ) who informed us they were not willing to reimburse us the money we lost due to fraud. I believe Chase Bank is responsible and should refund me {$1100.00} due to me depositing a check through a teller and them not spotting a fraudulent check, calling them to confirm funds were available and their assurance it was a safe transaction to proceed via an online service that they offer.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Ive never heard of this company. Nor do I owe them or anyone else money. They never even contacted me they just placed this bogus debt on my credit report. No written documentation stating what this is or proof its mine! Company is singling me out & questioning my integrity. This company has not helped me in any way when contacted. This is not mine!
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I received a letter from Synchrony Bank dated XX/XX/XXXX informing me that my credit card account has been closed. 
I reviewed a reasons provided me by the above creditor and they indicated that my account did not score well for the following reasons : Serious delinquency Time since delinquency is too recent or unknown Number of accounts with delinquency Too few accounts currently paid as agreed. 
I completely disagree with Synchrony 's bank decision to close my account because my account with a creditor was in a good standing. 
I opened this account since XX/XX/XXXX and my account never been delinquent or seriously past due. Creditor based his decision on information they obtained from XXXX Credit Bureau and because they believed that my account is in risk with them decided to close my account. The company violated Fair Credit Reporting Act and because of the fact that some of my information on my credit report changed recently that impacted my credit score, they made decision to close my account that was in good standing. 
I contacted Synchrony Bank on XX/XX/XXXX and spoke to account manager named XXXX. The account manager advised me that the company reserved a right on their own discretion to close my account if they believe my creditworthiness in a risk. I requested to reinstate my account and they refused to re-open it because they stated once account is closed, they can't reopen..
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not authorize the following inquiries : Transunion- XXXX XXXXXXXX-XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX- XXXX  XXXX XX/XX/2017XX/XX/2017
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (NC)

The to my personal number from McCarthy, Burgess & Wolff ( XXXX ) the person they are attempting to contact is XXXX XXXX. This is not me, I do not know this person or have any association with this person. 

The number they are calling has been my personal number for 17-years. 

I have told their agent that this is nor me and requested that they remove my number from their records. 

My voice mail greeting now states all the above facts ( I am not the person they are looking for ) with a repeated request that my number is removed from their records.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I mailed Capital One a signed letter, which included the account number, requesting to close my 360 Savings account. As of XX/XX/XXXX, the account has still not been closed. 

On XX/XX/XXXX, I transferred the account balance out of the account, leaving the account with a XXXX balance. The account did not automatically close as is standard at many banks. Capital One does not provide any self-service options on their website for closing this account. Capital One does not offer secure chat or a secure messaging system through which I can close this account. I called the customer service phone number twice, waited on hold for several minutes, and was ultimately unable to speak with a representative because the wait time was so long that I could not continue to wait because of a serious family medical situation. Since there was no convenient way for me to close the account, I resorted to sending a signed letter on XX/XX/XXXX to the address for servicing 360-branded accounts.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

MCM has sent me a letter threatening to sue me for a creditor that I have never had. XXXX XXXX. Through out the letter they state that they are forwarding the matter to an attorney if I dont pay. From everything I have read this is illegal.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-24
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. (CT)

I sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX
Consumer complaint received 2019-06-05
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 reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (AZ)

I received a notice that on XX/XX/23 that there was a hard inquiry to my credit report from XXXXXXXX XXXX. I called XXXX XXXX to question the inquiry and they said that I do not have an account with them but the inquiry generated from an application in my name. The application was denied, but they could not give me information on what type of card was applied for or where the mailing address was.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was looking at my accounts at Capital one and saw they were " restricted ''. When I called in, I was dialed into the fraud team. The fraud team told me that it appears my payment failed from XXXX XXXX XXXX. I also can see a failed ACH payment on my online statement. I told them that I don't have an account with XXXX XXXX XXXX ( haven't for 10 years ) and said I did setup a payment, but from my XXXX XXXX XXXX When I setup the payment, it was using accounts that are pre-populated in the Capital One XXXX. I only have 3 accounts setup there ( XXXX from XXXX XXXX XXXX XXXX from Capital One ). The supervisor said there was a case open and I asked to talk to that team. She refused to transfer me or provide any assistance. I have no idea what happened or what is going on. I need someone from Capital One to please help me fix this, but they were completely unwilling to do so.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (KY)

I had two charges on my debit card that was found when I signed up for XXXX XXXX that I did not make to something called XXXX XXXX The charges were on XXXX for the amount of XXXX and XXXX  for XXXX I immediately called the company which they said to call my bank which I did they versed the funds while doing a investigation then all the sudden reversed them back stating no error was made I followed up in writing as told to do then was told they found no error and there is nothing I can do. It was XXXX my electric Bill bounced because of this Im a single mother of XXXX and can not get any help
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

Jcmb- card services Date- XXXX Acct- I have not record of this account or any information in my possession. ( starts with XXXX on credit reporting ) Creditor Contact- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (NV)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX NV ) XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2019-06-05
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: SYNCHRONY FINANCIAL (CA)

I recently checked my credit score on XXXX XXXX to see that I had a hard inquiry from an unknown source ( syncb national credit cards/airlines ) from XX/XX/2018. I never applied for this or gave my consent in any way. I called the creditor and was given the run around and told that I would have to dispute this with XXXX XXXX. XXXX XXXX did not give me the option to dispute this hard inquiry, it directed me to dispute it through the creditor which I had already tried and I got the same result with XXXX and XXXX.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

My Cash app account was compromised and there we're not over 30 unauthorized attempts to access my account. I communicated with Cash app stating that I was going to close my account AFTER my XXXX  was deposited. When I attempted to transfer my funds to a different card, they were rerouted to an debit card that I wasn't familiar with. At first I thought it may be a previous card I no longer had access to, after researching it, I learned that there was not so. I contacted Cash App and requested the information on the fraudulent card. I was given the last 4 numbers of the receiving card and the bank it went to. Cash App denied my dispute and told me to contact the Bank. The Bank XXXX XXXX XXXX  ) informed me that they had no records of the transaction and that I had no accounts with them. 
I contacted Cash App again requesting all information pertaining to the transaction and I was told no. 
I filed a fraud report and a police report.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (CA)

On XX/XX/2019 i opened escrow with XXXX XXXX and American Financial network as my lender. I received a pre approval letter from XXXX and now that i already paid my ( {$3500.00} ) Earnest money deposit XXXX is saying that i dont qualify for the loan that they already pre approved me for. They called me pressuring me to pay off a debt so XXXX would approve my loan, a loan that was already approved. I feel like i dont have a choice but to pay to make this loan work. Unfortunately i dont have anybody to let me borrow XXXX dollars which they say is causing the hold up. These lender services are unfair, deceptive and abusive. This is a violation under the UDAAP act. I gave up my condo that i was renting so that i could save some money but now i dont have steady place to sleep and am sleeping on the floor with family.
Consumer complaint received 2019-06-05
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-09-16
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. (NJ)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 2022-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Re : Complaint Against XXXX & Credit Acceptance Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from Credit Acceptance. 

XXXX is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. 

Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2019-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FCI Lender Services Inc. (CA)

The lender charges us usurious interest rates and even late fees for XXXX. Lender ignored our request to remove late charge of {$640.00}. Rate Interest Due from XX/XX/2019-XX/XX/2019 is {$8900.00} and Additional Daily Interest of {$210.00} if paying after XX/XX/2019.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (KS)

Credit karma has sent me offers for car loans and loans saying that I had a great approval odds, so I can receive the loan. My credit goes up and down up and down and I never get these loans, false advertisement, fraud they say it want hurt to try but it always do effect my score.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: C & M Associates Group, Inc. (AZ)

At XXXX PST on XX/XX/19, " XXXX XXXX XXXX with XXXX , XXXX , and XXXX  threatened to take legal action against me for a XXXX debt that does not belong to me. Would not give me any information, and hung up on me twice. Stated " there was a claim out against my social security number and they would pursue against me ''. I have never owned a XXXX card in my life. This is a fictitious debt that I have already taken legal action over in the past. I will do it again.
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (CO)

Loanpal has been dragging out my refinance loan for almost six months, promising me each month that they were close to closing it. Also, advising me that technically, a mortgage isn't late until after 30 days, therefore ; I could potentially wait until the very last day to pay it, just in case I would get lucky and they would close my refinance. I filed a XXXX  report because oftentimes I couldn't even get a hold of anyone to know what was going on. There was an extreme lack of urgency and communication, constant rewriting of loan terms, rate lock extensions and perhaps worst of all ; I was told verbatim that my loan officer had " gone up to bat '' for me and got me an interest rate of 2.375. What the coordinator failed tobdisclose to me was the impact that over 2 % in origination points would have on a refinance loan. After asking around with a loan officer friend and HUD I was informed that I was paying for the rate with over {$7000.00} dollars that would take me 9.5 years to pay off. Therefore, I was not being supported and protected, quiet the contrary. Furthermore, on a {$280000.00} loan with a CHFA silent second of a little over XXXX, I was being charged a total of {$18000.00} in closing costs bringing our refinance cost to a grand total of {$310000.00}. Along with a 2.375 interest rate that would bring our mortgage payment from {$1800.00} with a 5.25 % interest rate to a whopping {$1700.00} payment with a 2.375? Loanpal did reach out to me following the XXXX  report offering me a {$500.00} check to remove the complaint. Unfortunately, laymen like me wouldn't understand loan jargon, so the law regarding disclosures still isn't exactly helpful. Origination points are essentially money in their pockets. I am anticipating a situation where I may be charged fees for backing out. I would also like to say that, XXXX  XXXX, the third party verification company for Loanpal ran hard inquiries on my credit four times. Three of which I did not agree to. Furthermore, they repeatedly reached out to XXXX  to inquire about my mortgage payment amount and silent second amount when it should have only been necessary once.