davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: Westlake Services, LLC (VA)

Westlake Financial Inc. is consistently showing incorrect information and balance-my score with all 3 credit bureaus are consistently going down drastically, for no reason each time reports. 
My score is incorrect and should be going up not down- when I'm paying my bills on time and nothing delinquent. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX plus points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

XXXX and XXXX is also inconsistent with XXXX and XXXX. 
All 3 credit bureaus are inconsistent with each other, how can this be? 

Please help! I need my score to be properly increased, please.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened an account with Chase in XX/XX/XXXX. I have a 25 year relationship with another more personal bank, but they do not offer business services. 

I deposited {$1000.00} cash at opening, followed by more deposits in XXXX, XXXX, and XXXX. In total I may have cleared {$30000.00} I checks received from clients as I am a small business owner. 

In late XX/XX/XXXX, I received a {$10000.00} bank/teller check from a client who does business with XXXX XXXX XXXXXXXX XXXX That check was deposited on or around XX/XX/XXXX. On XX/XX/XXXX, I received a random email from Chase saying that " You can not use your account ( s ), and we will close it soon ''. It referenced a full letter with an explanation for the closure in my online files. After opening the full letter, there was no explanatory information in the letter, only a number to call. 

On XX/XX/XXXX, I called Chase customer service and was immediately routed to the fraud department. I was informed that the letter was sent to get my attention as they wanted to ensure that I called them. The Fraud department indicated that they only wanted to alert me that the check processing times were taking longer than usual for certain banks, and Chase would not be able to release the funds until XX/XX/XXXX. I was informed that this was due to Chase needing to confirm that all the funds were in the account of the Payor, but was reassured that the funds would be there on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to transfer the funds, but could not. On XX/XX/XXXX, I called Chase and was informed that the funds from the check were cleared but they needed to talk with the Payor over the phone to confirm that he actually wanted me to receive the check. They indicated that his number had to be verified before a call could be made. I provided his number ( which was an international number ) and was told that international numbers could not be verified. I was told that the only way to verify that the funds were intended for me, would be for the two of us to go into the bank together. I was told that because this did not happen within 10 days my account would be closed. 

On XX/XX/XXXX, I opened my online banking. There is no checking account, there is no reference to there having ever been a checking account, and there are none of my checking account documents online. 

The {$10000.00} which was in the account has vanished without so much as a call or explanation.
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (UT)

Original Creditor - XXXX XXXXXXXX XXXX XXXX 
Collection Agency - Midland Credit Management Date opened XX/XX/2020 Balance - XXXX This is fraud I have never heard of XXXX XXXX XXXX Linked information to fraud card XXXX XXXX XXXX XXXX XXXX, Utah XXXX Midland would not disclose the phone number liked to the account but confirmed that it was not my number. 

I have lived at XXXX XXXX XXXX XXXX Utah my entire life and never have received anything from XXXX XXXX or midland credit management. 

I was first aware of this fraud a year ago when applying for a loan at XXXX XXXX XXXX XXXX, I did not have the means nor knowledge to dispute this until of now. 

Most importantly I was Incarcerated in XXXX County Jail prior to XX/XX/2020 My email is XXXX My number is XXXX
Consumer complaint received 2022-10-28
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: SYNCHRONY FINANCIAL (WI)

I have a problem with JCPenneys Card Services. The problem with them is that from time to time they are pulling my credit report. I dont know why they are doing this. I havent applied for any credit cards with them so they dont really need to pull my report. Their inquiries are hurting my credit background and they are unnecessary. 

They need my permission to pull my report and they havent asked me for my consent to do so. 

I want someone to contact them about this and ask them to stop pulling my credit report. I would like them to leave my credit report alone.
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

I leased a bed from someone on XXXX, after no longer needing the bed upon needing to move where bed was not required. Bed was return to independent mattress salesman. As well as payments were made up until bed was given back. The bed had a lifetime warranty as long as no stains or rips which the bed did not have and was accepted back. The salesman agreed to the take product back but Acima did not update the information on my XXXX  credit report nore did I stop receiving emails regarding a balance I already settled with payment to salesman. Sales man is no longer available for contact, as number provided no longer works.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern, RE : Chase XXXX Credit Card It is unfortunate that as a victim of theft, I had to collect supporting documents to prove the purchases made were not me. With XXXX years as a XXXX XXXX XXXX, I have never seen a company ask a victim to solve their own case. 

I have completed a complaint with the United States Postal Police. The report is attached. I also included the Chase statement that reflects the charges. On XX/XX/2021, two charges were made. One in the state of New York and the other in the state of Maryland. On XX/XX/2021, two charges were also made. One made in the state New Jersey and the other in the state of New York. I am not sure how one can be in two states at the same time.

I did attempt to obtain information such as one charge to XXXX. I was informed that they can not disclose any information as the actual victim would be Chase. Chase would need to request any video showing who made the charges on the date shown. The other locations, based on XXXX search was a vending machine, a cigarette/vape mart and the food chain XXXX. 

I have also included my XXXX XXXX statement reflecting the charge of the XXXX XXXX in Delaware from XX/XX/2021 thru XX/XX/2021. This will show I was nowhere near the locations of the charges. 

I applied for the XXXX Chase card prior to my trip to Delaware so I may charge the room and have points for future XXXX stays. Since the card did not arrive, I used my XXXX XXXX card. Attached is the emailed receipt upon check out. 

Since this incident, I have cancelled all my Chase Credit cards and closed a checking account I had opened during the same time. 

I am incurring late charges and have seem my immaculate credit drop.
Consumer complaint received 2022-08-24
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc. (TN)

I have contacted company and requested written documents showing ownership and liability of debt as to date none have been provided. XXXX XXXX has reviewed and found the debt unauthorized and/or not provided as such this debt is not valid. Further more this debt was purchased by a third party debt collector Who is reporting medical information in violation of HIPAA laws.
Consumer complaint received 2022-10-28
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. (PR)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : 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  Date of inquiry : XX/XX/2021
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax sent me a copy of my credit file stating that my name was reporting correctly but it's not it still reporting wrong last name on my credit file under the last XXXX, my only name is XXXX XXXX not XXXX please remove all other names that doesn't belong to me I have attached documents to show who I am and what my last name is please correct the error. 

XXXX is reporting a last name on my credit file under the last name XXXX, XXXX XXXX is my only name please remove all other names that's reporting on my credit file and XXXX is reporting an address which is XXXX XXXX XXXX # XXXX XXXX NJ XXXX I have repeatedly express to them it is not my address I do not reside there, and I do not receive any mail at that address I have sent in documentation with my address were I receive mail and reside XXXX is willing fully leaving this address on my credit file after receiving documentation that I do not reside at that address.
Consumer complaint received 2020-12-23
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: FORD MOTOR CREDIT CO. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX, on XX/XX/2020, XXXX-XXXX and on XXXX XXXX XXXX, XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

This problem concerns Venmo, the online money transfer service that operates under the PayPal license. On XXXX XXXX, 2022, I had a balance on Venmo of {$1600.00} and initiated a standard transfer to my checking account at XXXX. Venmo stated that the transfer would be completed by XXXX XXXX, although the website notes such a transfer takes one to three business days, which means it should certainly have been completed by XXXX XXXX. That did not occur. On XXXX XXXX I emailed the company through the help function of the mobile app and received an email from XXXX XXXX about XXXX hours later ( request # XXXX ), stating : Our engineers are aware of the issue and are working on a fix. On XXXX XXXX I chatted with customer-service agent XXXX XXXX using the app, who stated : It seems to be a bug in the system. I think it will be resolved today. On XXXX XXXX, the money had still not arrived in my checking account, and I called Venmo at XXXX. XXXX XXXX confirmed that the money was held up because of a bug, and that I would receive it later that day. Again, that did not occur. At no stage in this process did Venmo proactively send an email saying that the transfer would be delayed beyond their usual window. I did a search on XXXX and discovered that at least half a dozen other people who initiated a bank transfer on XXXX XXXX are also having this problem ; some reported that they had been told Venmos servers had crashed.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I was unwittingly tricked into transferring money thru XXXX to XXXX a trusted company! I spoke with just about everyone to resolve and no one helped me. I just started my own business and they scared me into to turning off my service! With customers at the shop I couldnt afford that! Please understand me during this difficult and crazy time being a XXXX XXXX XXXX!! Now that Ive complained XXXX has added XXXX New pop ups reassuring transactions being made! Reassuring that the person that is receiving the money is signed up for the program!! This is not fair to me! I have recent pics of new changes if needed
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, XXXX, EQUIFAX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The credit bureaus have to inquire why my letters are unaddressed within 30 days.

CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days.

CFPB has to require that the credit bureaus remove the negative items from my credit reports.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (MI)

When I realized this was a loan and not a credit card- because they portray themselves as a credit card. I did a transfer balance and paid it off the beginning of XXXX. It took them WEEKS to process the check that XXXX XXXX  mailed them. Now 2 full billing cycles have gone by- and it is STILL being reported to the credit bureaus that I have a {$960.00} balance. I have disputed with XXXX and XXXX. And the company is still stating my balance to the credit bureaus is {$960.00}. I can log in online and see my balance is {$0.00}!
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FINANCIAL BANCORP (IL)

A man called XXXX XXXX claimed to be investing some money I had while I was just being treated with XXXX and followed by XXXX and XXXX. He had me sign 5 checks from my XXXX XXXX  First Financial in XXXX, Ohio on XX/XX/2018 claiming he was an employee of an investment company called XXXX ( XXXX ). These checks were redeemed thru 4 suspicious companies for XXXX  When I was aware of what had happened. I contacted my bank and was quite upset because these checks emptied my account. In the past, the previous three bank owners would have phoned me immediately to check on me. I was a customer for 33 YEARS at that branch. 
I did complain repeatedly over the years to First Financial and asked for follow up. I am receiving no serious service or response. The bank has all of my information in their computer, even copies of the checks. 
I contacted the SEC and various XXXX resources ( He now resides in the XXXX ( XXXX XXXX ) ). He has 5 names and his spouse has 3. The money has disappeared.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc (SC)

The collection ( XXXX ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX SC police department ; Officer Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. The company refuses to cancel the account and according to my app, I owe a balance of XXXX.