davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
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. (NC)

I received a letter today from XXXX XXXX who denied an inquiry for a personal loan bas

ed on One or more accounts are being administered by a credit counseling service, as reported by Experian. This is not currently accurate ( I did participate in such several years ago but have paid 100 % of those accounts off in full ). I reviewed my credit report on Experian but dont see this information. And I tried to submit a complaint but theres nowhere to write this type of concern on their electronic form. I do intend to write them a letter of complaint about this.
Consumer complaint received 2024-01-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I am writing to bring to your attention a matter of identity theft that has affected my financial accounts. I have discovered unauthorized accounts opened in my name without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in blocking these XXXX  accounts from my credit report, per 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Below are the details of the unauthorized accounts : Creditor Name : CREDENCE RESOURCE MANAGE Account Number : XXXX Date of Discovery : XX/XX/XXXX I contacted Credence Resource Manangement on several occassions and asked them to verify the debt, provide proof of purchase from the original creditor and XXXX  associated documentation, I also asked them to stop XXXX  to XXXX  me or XXXX  me for fraud, however, I still get unwanted XXXX  and XXXX  from them regarding this debt. I never had a contract with XXXX XXXX XXXX or any company they are affiliated with and can confirm that I am a victim of identity theft and data breaches. I would like these accounts removed from my XXXX  reports. Disputes have been made with the XXXX 's dating back to XX/XX/XXXX with no update nor provided information/documentation. This is a violation of FCRA.
Consumer complaint received 2024-05-13
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 (CA)

In XX/XX/year>, {$2500.00} ( in the amounts of {$1000.00} and {$1500.00} ) were stolen from my account from somebody impersonating the " US Department of Treasury. '' This was a fraudulent transaction committed by a known criminal. The police, the FBI, and other law enforcement has been involved. I have been diagnosed with XXXX because of this. And yet Wells Fargo is staunchly refusing to refund the {$2500.00} stolen from my account and are refusing to explain why. They are stating the transactions are " authorized '' and the way they handled it was " appropriate '' ( not only wrong, but using subjective and vague terms. ) They are refusing to provide any additional information and instead sending the same form letter to me repeatedly. They are also refusing to talk to me about this matter. Wells Fargo is gaslighting me. I have faced consistent misconduct and verbal abuse from their employees, harassment from their claims department, and other misconduct, and yet Wells Fargo is wrongfully claiming " there was no employee misconduct '' and " you transferred your funds to the real US Department of Treasury '' which law enforcement officials confirmed was a fraudulent account. This multimillion dollar company has the resources to return the {$2500.00} to my account. I have XXXX and long-lasting financial damage from this. Wells Fargo, PLEASE return my {$2500.00}.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card.

The 1st problem, in a very long list, is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business  days for the card to arrive. XX/XX/XXXX the 3rd card arrived and I activated it. It was active for one day, and then declined at the grocery store.

After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was informed there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my driver 's license, rental agreement, and SSN card, and it would take 3 days. I faxed these documents on the XXXX of XXXX, and called 3 days later. 
The first customer service rep I spoke with said it could take up to 120 days for them to do the audit. I insisted on speaking to a manager and was hung up on. I called back, pretended I didn't hear the 120-day thing, nor did I ask. I was told they could not find my documents and that I just needed to keep checking back. 
On XX/XX/XXXX I would not accept their response of call back, and I demanded something be done. They asked me if when I faxed my documents, I increased the photocopy size on driver 's license by 200 %, because if I hadn't my fax papers were tossed. 
So, on Friday XX/XX/XXXX, I went back to the UPS store to fax the documents with the NEW instructions only to have the XXXX store try 12 times to fax my documents and the fax would not go through.  XXXX said the machine is responding like it's off the hook or unplugged on Reliacards end.

I came home called Reliacard and was literally told hmm, that doesn't sound right, but maybe try back on Monday. 
As of today, XX/XX/XXXX I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this. 
I feel like I am on the verge of a XXXX  XXXX, and US Bank couldn't care less. I have almost {$3000.00} on my card that I can not access because EVERY TIME I get the run around and new hoops to jump through. 
My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled to.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is reporting about 12 collection accounts on my credit report that do not belong to me and that may have been open with my stolen information. XXXX has been aware of this for years but continues to allow incorrect information on my report. There is one account that does belong to me that is showing is past due which is inaccurate as well. Because of XXXX neglect I can not get approved for credit and pay high Interest rates. They refuse to correct this matter. The companies refuse to provide a signed contract that has my signature on it because I never contracted with them.
Consumer complaint received 2024-01-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IA)

This was originally for an XXXX phone account which I haven't had account since XXXX. 

Credence resource management says the date opened was XX/XX/XXXX In my divorce the judge ordered my ex husband responsible for this debt and I've sent the decree to them and they still say debt is valid on my report
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

XX/XX/year> : CitiBank sent a letter stating " We'll no longer call you about the past due status on your account ''. First of all, I never requested such a letter, nor did I request that CitiBank remove me from their calling list IF my account were past due. Secondly, my account has NEVER been past due. It has been paid within the grace period of all billing, and at most, 6 days past the due date but still in the grace period. CitiBank continues to make things up and manipulate my account. CitiBank is lying to credit reporting, and I have proof of all ON-TIME payments. And I have proof that I never requested a " do not call '' status on my account.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/XXXX I went to my Wells Fargo branch to talk to a banker and share information about an identity theft issue that occurred on XX/XX/XXXX. 
On XX/XX/XXXX when the theft transactions happened I spoke with a fraud investigator on the phone and filed my claims. The checking account was closed immediately and a new account was opened. The investigator also ordered me a new debit card. Also ALL online services were immediately stopped. 
As of today when I checked my account I found that those fraudulent items were processed anyway! And now my new account is in a deficit. 
Why were those items processed when WF bankers and fraud Dept. knew it was a theft!!
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX XXXX XXXX I called Equifax in regards to a mailing they sent me acknowledging I asked for a fraud alert and received it to my account. On the notice my name was incorrect. I called XXXX as furnished on my notice and when my call was answered the Equifax CSR on the phone was very confusing, but continued to ask for my full social security number. I told him I did not feel comfortable doing that and would give other confirming info as asked and the last four of my social security number. After, address, last four of social security number, DOB, phone number and name and spelling, the CSR said he could not find me. I told him the notice came to me in an incorrect name and what that was and he stated he still could not find me unless I gave all my social security number. My complaint- first I could hear very loudly in the background while on this phone with this CSR at Equifax all the CSR 's talking to other consumers, repeating loudly the information they were receiving to the point I could verify two identifiers for a consumer speaking to another CSR with in one minute. His social security number was repeated and his name spelled out loud. I conveyed this to the CSR on the phone and he took no action, told me it was secure, of which I replied I do not believe it is if I can hear others information being repeated just as my CSR kept repeating out loud my information to include spelling. This is a credit data company with all my information of years stored and being cared for in this way? Do they not get regulated and have safety protection protocols in place as to not allow this to happen? If a consumer points out hey can hear other info being discussed- how are they protecting mine? My PII was being said out loud just like those I could hear. I am discouraged at how lacking the professionalism and security is in this incident. A fraud alert seems a mute point if my and others information is just repeated out loud like we are sitting in a coffee shop! Resolution- Security, protocols, then accountability. Someone listen to the call. You will hear me calling the issue out- to the point I almost forgot I was calling in for the incorrect name on my mailing of fraud alert added to my account notification confirmation.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MT)

In XXXX of XXXX I purchased a XXXX XXXX XXXX salvaged hood online from a NJ company, XXXX XXXX XXXX XXXX, and wired {$550.00} from my credit union ( XXXX XXXX XXXX XXXX XXXX ) for the purchase to XXXX XXXX XXXX XXXX bank account : Chase Bank XXXX XXXX XXXX routing for domestic wire XXXX, account XXXX. 

The funds verified received and the agent of XXXX XXXX XXXX XXXX I was working with told me they shipped the hood out within 2 days. I never got the hood nor a shipping invoice and after the agent told me it was lost in transit he agreed to a refund. I never received it and they will not respond to any attempts at contact. 

I verified with the domestic shipper XXXX XXXX that not only had XXXX XXXX XXXX XXXX NOT had a shipment in this time frame to me but that XXXX XXXX XXXX XXXX of XXXX XXXX, NJ had NEVER shipped anything with XXXX XXXX  ... nothing on their system records. 

Other background checking I did confirmed my suspicions that I had been scammed : website business address of XXXX XXXX XXXX XXXX, XXXX XXXX NJ for their auto salvage business is a residential address owned by a private individual not a business, business license agent another different name, phone number is a " call service '', the agent I exchanged XXXX emails with XXXX XXXX is a fake, etc. I contacted my XXXX to do a wire recall and gave them details of the scam/fraud to forward to Chase Bank where we wired the money. That was a little over 2 MONTHS ago and we still have NO response from Chase Bank. 

I want Chase Bank to help with this and they refuse to respond in ANY WAY.
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (GA)

XXXX, XXXX, and Equidax continue to report inquiries I do not recognize and authorize for these companies to view my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (GA)

XXXX, XXXX, & Equifax are reporting incorrect inquiries on my consumer report. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax DEPT OF ED  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax DEPT OF ED XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2016-02-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan with Chase Bank. I was denied they say based on credit report from XXXX. They stated ( 1 ) serious delinquency ( 2 ) Number of accounts delinquent ( 3 ) Too high revolving or revolving accounts ( 4 ) length of time since accounts delinquent. This is false. # XXXX Public record ago paid. I have no accounts delinquent. I have no high credit balances as XXXX dollars was in my Chase account. Length of time?????
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JDJ Investments, INC. (LA)

Company name is XXXX  opened XXXX XX/XX/year> this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TomoCredit Inc. (AZ)

So I recently applied for a line of credit from the Company Tomoboost which has an unconventional way of supplying credit to consumers. In which you can pay an amount for them to report a Iine of credit to your report according to different tiers of products. I initially applied for a basic plan of {$9.00} and towards the the close of the month they were advertising a discount for a higher tier. I upgraded to a higher for a discounted price was charged immediately. Now I never received any benefits from this company in the case of reporting to my credit file and they have been trying to charge a higher monthly fee a week after I agreed to upgrade. I told them that I have not received any benefits and would from their service which would equate to a theft of service and false advertisements. I have sent multiple communications to the company telling them to close the account and refund my money in full if they can't upgrade my account and waive the fees because I am not satisfied nor did I receive service. I have been given the run around about this for over 3 weeks now, they have stopped responding to emails and have not taken any action to correct this. They attempt to charge my card everyday even after I have told them I don't want this service. This is a direct violation of my consumer rights and also negligence on behalf of this company.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Subject : Formal Complaint Regarding Venmo Account Handling Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo for their handling of my account. Recently, my account was frozen without a clear explanation, restricting my access to my funds. Despite repeated attempts to resolve the issue, Venmo has neither provided a satisfactory explanation nor facilitated contact with their account specialists to address my concerns. 

Venmo 's lack of transparency and inadequate customer service has left me without access to my money, causing significant inconvenience and financial strain. I am seeking the Bureaus assistance to investigate this matter and to help facilitate a resolution that includes the unfreezing of my account and a clear understanding of why these actions were taken against my account.

Thank you for your attention to this urgent matter. I am hopeful that with your intervention, a fair and timely resolution can be achieved.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I have been a victim of identity theft for 0ver XXXX  years. This time I have had a " take over '' scenario where an XXXX XXXX has used my identity to not only rent a homes, buy and register cars, open bank accounts, open several credit cards, utilities, cellphones, etc. Not only did this guy ( XXXX XXXX XXXX trying to buy a handgun in my name  ) pay bills for years and one time, but at some point ( maybe due to the XXXX  ) he stopped paying the bills and they went to collections. I was contacted by an agent from XXXX XXXX regarding it. 

I have provided not only all XXXX credit bureaus and the banks, merchants, and anyone else I am aware of to contact to provide them the copies of my identity theft report and proof that these accounts were not mine nor opened by me. However, Synchrony Bank hold multiple accounts that were opened in my name, I believe XXXX accounts. They allegedly conducted their own investigation using information that was provided to them from the imposter in the first place. How can you conduct a fair and impartial investigation using your own investigators ( not neutral ) and using fraudulent information? Of course they think it was me, they were fooled in the first place to opening the account.

Even though I provided them ALL REQUIRED documentation under both federal and state laws that were designed to protect consumer and victims of identity theft, they have completely disregarded these laws and refuse to absolve me of this debt and are continuing to report these accounts on my credit reports and attempt to collect these debts, knowingly and willfully after being made aware they are fraudulent. That is a huge no-no.
Consumer complaint received 2024-04-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

NAVIENT Is alleging I owe a debt but that is untrue because the promissory note that is being held is the security that is being used to fund this transaction. They are also keeping all the proceeds that the trading of this securities has made. This is illegal and securities fraud. Selling this information to the credit bureaus is a violation of my rights.