davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

The JPMCB Card account # XXXX that was opened XX/XX/2018 was removed from my credit report across all three bureaus respectively XXXX, XXXX, and XXXX. However, it returned back onto my XXXX and XXXX reports even after I reported it as Identity theft and won disputes across all 3 bureaus. I have an FTC report submitted with Case # XXXX. This account doesn't belong to me and I have no knowledge of this account # XXXX that is being reflected on my report. Now, I am in the process of going for an apartment and due to this it is negatively affecting my credit to where I can not go for an apartment as it kilt my credit. I need this inaccurate, unverifiable information and account that doesn't belong to me off my report for good and for Chase and the bureaus to stop trying to sabotage me.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I called Experian Consumer Services at the number given. I found myself interacting with a computer driven AI program. The program was very limited and terminated the call when none of the limited options fit my situation. Online efforts to access my account failed. The user name and password written in my log book where rejected as invalid. A phone number is required to reset the password. My cell number, which I have had since XXXX was not recognized. My land line, which I have had since XXXX was not recognized as being in the system. Logging in with XXXX log in information resulted in an error message that something had gone wrong. Therefore I had no choice but to write a letter to a company who clearly does not wish to speak with me. The letter is attached. I am confident this is not an isolated experience and that countless others have had this experience. Both XXXX and XXXX have been friendly, professional and helpful. It is only Experian who has choosen to isolate themselves from those they serve. I would simply ignore them and shop elsewhere, but unfortunately I need electricity from my local provider, XXXX XXXX. XXXX XXXX has an exclusive business relationship with Experian. Thus one has no choice but to attempt working with Experian.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (SC)

On Friday XX/XX/19 it was brought to my attention on my credit report that my student loan balance went up from {$1000.00} to {$2400.00} without any notice or reason. On this same day i also noticed that my payments ( which i have not been delinquent on ) had increased from a monthly {$20.00} to  {$100.00} also without notice or reason. I attempted several times between Friday and now ( Thursday of the following week ) to get in touch with my loan service to no avail. My loan is Serviced by Navient.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-09-01
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. (GA)

XXXX  XXXX - This account is not mine. I have contacted them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I did not purchase anything from them. I have disputed this but had no resolutions. My personal information was used without my permission to process transactions and open an account without my knowledge. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (FL)

XX/XX/2019 BMW FINANCIAL SERVICE, reported my payment as late. I set up an auto payment that month because I went of town. It obviously didn't go through on their end because all other payments were paid on time.
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I had a late payment that was 30 days late in XX/XX/2019. I quickly caught my payment up. The reason I was late was that the omnibus hadn't been signed yet and I was furloughed. As soon as I was reimbursed, I paid the payment. I had never been late prior to or since then. I've asked the company to make a good faith revision of the credit reporting and they refused. It's just not fair that the government budget wasn't signed in time and my credit suffers. Especially when I have an impeccable payment history. It had never occurred before or after this. This is really hurting XXXX employees if they don't have savings to cover the bills due while missing paychecks.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Got a letter from Chase explaining that I was going to start getting charged a monthly fee for a business account that I haven't used in a long time. I called in to instead close this account. Was told by the Chase representative that they will not close the account unless I physically go into a Chase branch.
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

I have used 2 PayPal personal accounts to purchase certain online services and content, to receive a reimbursement from my workplace. 

I have never filed any IDs to open and close my PayPal accounts. However, PayPal started to force me filing IDs to keep the account created under the email account XXXX. 

I replied to them that I would prefer to close the account if I need to file extra IDs. Then, they shut down my another account XXXX without requesting any ID check. 

I contacted them to file a complaint as they shut down the wrong account, but I received no answers on this issue. Instead, I received a message from PayPal agent, XXXX, on XXXX XXXX XXXXXX/XX/, that I still need to file IDs either to keep or to close the account. 

In terms of the account safety, I believe my account should not be left only with certain limitations on. I would like to request PayPal to close my account properly.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

This is a follow-up to CFPB Ref No. XXXX-XXXX  that AMEX closed saying that they have resolved the matter. The matter is not closed. Since XX/XX/XXXX, I have been contacting AMEX to -1st - have payments I made to the wrong AMEX account ( that is closed ) transferred to another AMEX account or - 2nd - get a wire transfer refund for those payments summing to {$4600.00} so that I can place the credits on the correct account myself. 

AMEX has not refunded my money and, on XX/XX/XXXX, wrote a letter to CFPB and yours truly saying that they requested a wire transfer refund on XX/XX/XXXX that I should receive in 2-3 days. Today is XX/XX/XXXX and still don't have my refund. Thus, I'm opening up another complaint on this matter.
Consumer complaint received 2021-09-01
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. (MD)

I found a couples inquires on my report that I do not recognize. I have called and sent a letter to Equifax about this matter but nothing has been done. The Equifax agent I spoke to, told me to call each company and ask them for permissible purpose! Are you kidding me? it is your job Equifax, to verify that those companies have my permission and my consent before checking my credit! I am not doing your job for you! There is a fraud alert on my 3 credit reports because of irregularities like that. I did not authorize those inquiries, I do not know those companies and I do not do business with them. Show me a proof ( my signature or oral consent ) that I have authorized those inquiries or remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (GA)

1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question.

5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Services of NY, Ltd. (OH)

Professional services sent a me a letter demanding payment of XXXX I sent a Debt validation letter on XX/XX/2021 certified mail. I didn't obtain nothing, but they kept calling and sending me threatening letters about league action, in my Debt validation letter I reminded them that under the fair credit act I was requesting that no contact should be made, I gave them 30 days.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (GA)

In 2017, XXXX  leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

In Accordance with the fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 States I have the right to privacy Section 6 0 4 States a consumer can not furnish an account without my written instructions under the 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

In Accordance with the fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 States I have the right to privacy Section 6 0 4 States a consumer can not furnish an account without my written instructions under the 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Consumer complaint received 2022-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NM)

Received a debt collection call and filed a complaint. The complaint is XXXX. On XX/XX/XXXX the response to the complaint was that they'd entered my number in error and apologized for any inconvenience. On XX/XX/XXXX at XXXX XXXX they called again!!! Evidently their solution to fix the problem was less than sincere. Please get them to stop and to mean it this time. Perhaps this lack of actual solutions is why they have 28,508 complaints on your database as of a few minutes ago.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX someone used my Wells Fargo Debit card to purchase items at the XXXX XXXX XXXXXXXX XXXX for {$740.00}. I received an alert from my bank that my account was overdrawn. I called my bank and they cancelled my debit card. I also received emails on XX/XX/XXXX from XXXX XXXX that the order was ready for pick up. I called the XXXX XXXX  XXXX to tell them I didn't order the items and not to release the order. XXXX XXXX does not receive calls directly and I was repeatedly put on hold and while I was on hold both items were picked up. 

XX/XX/XXXX Wells Fargo refunded me the {$740.00} pending an investigation. Wells Fargo reached out to XXXX and XXXX told Wells Fargo that I picked up the items at the XXXXXXXX XXXX XXXXXXXX. Wells Fargo then closed my case and told me they will take the {$740.00} from my account. I live in Arizona not Alabama. 

I called the XXXX AL police XXXX and filed a report # XXXX on XX/XX/XXXX because Both Wells Fargo and XXXX XXXX refuse to help me. 

My Wells Fargo Claim number is XXXX. 
My XXXX XXXX case number is XXXX and XXXX. 
The XXXX order number is XXXX BB keeps telling me to call my bank and my bank keeps telling me to call XXXX XXXX. The police depart stated if there is no camera footage of who picked up the order, there is nothing they can do. As of this date no one has made any progress on the case and on XX/XX/XXXX Wells Fargo will remove {$740.00} from my account for items i did not purchase, authorize or pick up.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MI)

Ally bank sent me promotional email Want a cash bonus up to {$500.00} on XXXX XXXX XXXX 
In order to receive 1 % cash bonus, I have to enroll my account in promotion, move new money, and keep new money through XX/XX/XXXX. I enrolled my Ally saving account, moved {$30000.00} from external bank and kept the balance. Ally sent me email stated Im enrolled. 
My account is in good standing, but I still do not receive {$300.00} bonus, which should be paid on XX/XX/XXXX. 
I spoke numerous times with Customer Service by phone, opened case # XXXX in XXXX, and finally received message from Ally on XX/XX/XXXX. 
Please read attachment. It takes more than 1 month to tell me that the issue is still investigated and there is no resolution end date. 
I hope this complaint can help me to solve the problem.
Consumer complaint received 2019-03-07
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. (CO)

I TRIED TO PAY A DEBT AT XXXX XXXX XXXX XXXX, MY CARD WOULDNT PROCESS THROUGH THEIR SYSTEM SO I WAS DIRECTED TO CALL THE CLIENT DIRECTLY TO PAY, IN WHICH I DID BUT WAS TOLD MY ACCOUNT WAS AT A XXXX BALANCE AS I WAS ON MEDICAID AND MEDICARE WHICH I TOLD THE COLLECTION AGENCY. I CALLED XXXX XXXX BACK AND ASKED THEM TO REMOVE AND THEY REFUSED.
Consumer complaint received 2022-01-18
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. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. TransUnion has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to TransUnion to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from Experian stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And Experian. XXXX XXXX and XXXX  sent me email notifications that the bancrupcy was valid.