davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: LEXISNEXIS (CO)

LexisNexis sent me a letter saying 1 negative report added to my file. I checked all credit bureaus and they are fine. Called LexisNexis to obtain my report. XXXX kept telling me I could not have my report even though I have their consumer ID # for me and theyre case number. She kept saying she needed my SS # DOB Drivers License # etc.. I verified my mailing address which they already have but would not give my personal information. XXXX will not provide MY report and would not let me speak with a supervisor. Ive never authorized LexisNexis to obtain information on me nor have I authorized any company to use them. They are trying to get my personal information I believe for fraudulent purposes.
Consumer complaint received 2015-10-22
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I was just surprised that Chase bank charged me XXXX XXXX XXXX overdraft fees of {$34.00} each when I checked my account online. This bank doesn't care about their customer and they only want the money. Charging fees whenever they want to. This is ridiculous! No consideration at all. 

Also they haven't fixed my previous issue about my credit card limit increase which is an unfair practice considering I've done everything they told me to be eligible for the increase.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For several years, a charge off has appeared on all of my credit reports concerning an item from a company called XXXX XXXX. I purchased an item for my mother, a few years ago and it came to her damaged.I told XXXX XXXX about this and no action was taken.I made several requests to have this matter removed off my credit report and all the major credit bureaus have declined to remove the info. In XXXX of last year, I initiated an arbitration action, as per the original contract 's relief clause.XXXX refused to pay its fees, as per the contract. I believe this action makes the entire contract null and void.I want this matter removed from my credit reports immediately.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account have been disputed multiple times for false reporting, and inaccurate information, as well as incomplete information. 

Account Status never updated to in dispute. Status last updated 2018. Experian continues to use automated investigations and refuses to comply with FCRA Regulations. 

Date of Last Payment is falsey reported blank for both accounts, while XXXX and XXXX both report two other completely different dates. 

XXXXXXXX XXXX XXXX - Date last active was illegaly re-aged on the report.
Consumer complaint received 2022-02-04
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. (NY)

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to XXXX XXXX  asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( Transunion, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of XXXX - XXXX U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. TransUnion reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Consumer complaint received 2023-07-14
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (IL)

I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

I have repeatedly disputed XXXX accounts with Navient, which from my research were recently purchased from another lender. I have asked on more than XXXX occasion that all communication be done in writing only, so that I may keep records. 

Navient has instead chosen to spoof their number and repeatedly call me looking for the account holder ( which i am not ). It is ILLEGAL for a collections agent to block, alter, or otherwise attempt to make their phone number appear as a local caller instead of the actual phone number.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I got scammed by someone when trying to make a purchase on XXXX XXXX. I was supposed to be paying a deposit for someone who was selling a XXXX XXXX  He took the money and then blocked me. In XXXX transactions I sent him {$400.00} on XX/XX/23. I filed a complaint with the FTC and they said to be sure to contact the bank to let them know about the fraud so they could assist in getting my funds back. I contacted Chime and they said they would not even file a dispute.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Hello, Wells Fargo closed all of my husband and my savings & checking accounts without any notice - removing all access to our funds. As a result, we were left with no cash for a period of 2 weeks. This also caused all our outgoing monthly payments to fail and other incoming deposits to get returned. They sent us our checks 1 week later. We had to go through the process of reopening new trust accounts to deposit the checks and had to wait another 6 days for the funds to be available in our accounts due to XXXX XXXX XXXX long weekend. We were left penniless for nearly 3 weeks with little kids during this period despite having 10s of thousands in the bank accounts. 

Now, I seem to be going through this process all over again with my investment accounts. 

The bank had requested me to confirm my identification 4 weeks prior to closing the accounts. I went into their branch office and provided my passport, green card and driver 's license. They scanned it all, and even notarized it before uploading it to their systems 2 weeks before the due date. 

Following, this, I have gone into the branch at least 6 times to submit the same documents. I want to request you to take action against the irresponsible behavior of Wells Fargo that has created such hardship and inconvenience to my family and me. 

I appreciate your support in advance. 

Much thanks, XXXX XXXX
Consumer complaint received 2022-08-08
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. (PA)

In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX- I find this interesting as I called each of the XXXX credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXX XXXXXXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Consumer complaint received 2015-05-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings (KS)

i keep getting phone calls everyday from speedy cash they have already called XXXX times so far this month it started in XXXX of 2015 XXXX calls were made too us XX/XX/XXXX XXXX calls were maded too us XX/XX/XXXX XXXX calls were made too us the number is XXXX their saying their speedy cash
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

Hunter Warfiled, Inc. has been trying to collect a debt since 2013 that I do not owe. They 've threaten to sue me without providing the proper documentation that I 've requested multiple times. I 've repeatedly sent letters of validation, and they failed to provide original documentation such as an original contract between me and the creditor time and time again. They removed the debt from my credit report but was re-instated and no notice was provided to me within the required time. Due to this my score has gone down dramatically. I also noticed that the " amount owed '' has increased as well which makes me doubt that this debt is even legitimate. It could be interest which I do n't even know if they are allowed to charge it?? I also believe that this could be a consequence from ID theft that occurred to me years ago. If this debt can not be validated I would like for it to be removed from my credit report.
Consumer complaint received 2023-07-13
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 (LA)

I opened an account with PayPal a couple of months ago and used it to pay for my XXXX order and XXXX and XXXX rides. It had been open for a couple of months before I received a payment from my friend 's dad for a tool he bought from me. All of a sudden when I have {$550.00} in my account PayPal decides to permanently limit m account and hold my money for 6 months. Pretty convenient that the second I get a large sum of money in my account they permanently limit it. Sounds pretty suspicious. What they do this for is to hold your money so they can make the interest off of it for the months then they .may or may not give you your money back. They do this with thousands of people every year. I did nothing wrong. I was waiting for my 21 day hold to end and about 3 or 4 days before I could've pulled my money out they limit my account. Now my identity was confirmed, I actually confirmed it twice because they asked me to. I provided them with everything they asked for and they still limited it. I hadn't even use my PayPal account since I received the money from my friend 's dad. So I'd love to know what I could have possibly done wrong. I need my money for my XXXX. Without them my XXXX and XXXX XXXX will go XXXX. They'd been sued several times for this so I don't see how they can continue to do this. I want myr money now. Please do something about these shady business practices. And please help me get my money back.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

I received a new mortgage statement showing my payment went up roughly {$120.00}. 

I called BSI financial to go over why my payment increased. They said it was due to an escrow analysis showing I was short {$800.00} in my escrow. I asked how that was possible when I overpaid escrow by {$230.00} in XXXX, and I show a balance on XX/XX/XXXX of over {$700.00} in my escrow account. The first rep said I needed to have at least {$1100.00} in my escrow to cover a 2 month cushion. I explained my XXXX taxes are {$1600.00} and my insurance is {$1900.00} annually. My monthly escrow is about {$300.00}, which shows I have more than a 2 month cushion. After this I had to speak with a supervisor. 

No one at BSI could explain why I paid {$3700.00} in XXXX escrow when I should have only paid {$3500.00}. They also could never explain why I have a shortage when when my taxes and insurance are nearly the same from XXXX and XXXX and there was an over payment in XXXX. 

This seems like suspicious activity. I've never been late on a mortgage payment, my insurance is the same as XXXX, and my taxes went up just over {$100.00}. Please also see attached documents where my insurance payments have been disbursed several times. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A few years ago I opened up a secured card from Capital One for {$500.00} dollars. 
It got maxed out due to financial hardship but I always tried to pay something. Capital One continued to collect high interest rates for months and months with no issue. I decided to pay the card off to bring the balance to XXXX and they closed my account days after. ( If not even faster ) It appears to me that they intentionally waited for me to pay off the balance to close my account, isn't this highly illegal? That's not even the only issue. They never gave me my deposit of {$500.00} back. They only refunded me {$390.00} and kept telling me that's all I gave them which is a lie ; I gave them XXXX dollars hence my XXXX dollar limit on a secured card. 

Basically not only did they wait until I paid it off to close my account which is blatant discrimination and borderline scam behavior, I had to call to get my deposit back after I paid off the entire balance and then they didn't even give me my whole deposit back.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

All of the medical on my credit report should not be there I have spoken with each individual who placed them on my report and they agreed that their billing department did not send my balances through my secondary insurance which they have since done and I owe them nothing now, they admitted they made the mistake so I would like any and all of my medical reports taken off my credit report. XXXX already removed them from their site Equifax has not done so yet which is impacting my credit report
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kross, Lieberman & Stone, Inc. (OH)

XX/XX/XXXX, I received a past due balance statement from a Kross Lieberman & Stone in my maiden name, with my name spelled incorrectly. I contacted them to inquire what it was. I told them that it was sent to me in maiden name and spelled wrong. I have been under my married name for 8 years. They had my information attached to an icloud account that is not mine. I do not have an icloud account. They claim I bought a whirlpool kitchenaid mixer XX/XX/XXXX. I did not purchase this or sign for this. I suspected fraud & reported it to the police. I was advised that it was fraud & to ignore, but monitor my credit. They then called my parents home & left a message and sent another letter in XX/XX/XXXX. I again contacted police again. I was given the same advice and told if they continue to harass, to file an official report. In XX/XX/XXXX, I got another letter. Last week, we noticed our credit drop on our credit card statement. I went and filed an official report with the police and was advised to contact the agency to give them the police report number. When I contacted the agency, they told me to dispute it in writing. I told them I suspected fraud. They asked me questions about my information, and I again told them of the error in the name and the account that it was tied to. They then told me a new date as to when it was purchased & that I supposedly made two payments and stopped. They said it was delivered to my house. This information was different and new from the time I talked to them XX/XX/XXXX. I did not authorize such a purchase nor did I have it delivered to my house. The man I spoke with last week was completely rude. I was told to " put the report number in my dispute letter if it made me feel better. '' I asked how I supposedly paid for this and asked to be sent a hard copy of the authorization for this item and was told that they did n't do that.
Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (CA)

I previously had a Home Depot credit card through Citibank. I used it a few times and paid off the balance and then didnt use it in the past year. Unexpectantly I recently received a bill from them and it appears they have transferred debt from my husbands business credit card to my account. My husband 's business has had difficulty and he has some credit cards he has not been able to pay. However his business debt is not my debt - I use my money to pay the mortgage and food bills. I tried calling the Citiback but they want me to give them my phone number, SS #, or account # just to answer my questions about the letter they sent me. I am not willing to give them any of my information as then they will give this information to their debt collectors. How can I resolve this quickly and easily. I am willing to file a lawsuit because creditors seem so evil these days. 
thanksXXXX
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

My loan was assumed by XXXX in XX/XX/2023, it was in the rears at that time. I was already pre approved for assistance at that time with the previous servicer just pending paperwork. I turned in all documentation requested and thought everything was fine. Then I started receiving letters, calls, and emails, the representatives were so rude and nasty to me. I was told that if I couldn't afford the home I should get out, don't worry we'll foreclose and you won't have a mortgage to be troubled with, I was even told that they didn't have loss mitigation assistance but they did they wouldn't offer it to me. Just today XXXX XXXX I was told its not their fault I'm broke, I've been living here for free, the collections manager said he's paid by the hour and his rent isn't behide.