davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX Equifax, placed a collection for {$290.00} from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on my credit report. I disputed the collection and Equifax investigated and stated the debt was mine. I submitted a request for reinvestigation ( XXXX ) and again Equifax investigated and stated it was mine. I again asked for a reinvestigation ( XXXX ) and finally the debt was removed. XXXX XXXX, this same debt was placed on my credit file this time by XXXX I again disputed ( XXXX ) by a letter referencing all the above investigations and the debt was removed from my file. XXXX XXXX this debt has again been placed on my credit report by the XXXX XXXX XXXX XXXX. I have again submitted a dispute ( XXXX ) at this time the dispute is still pending. This debt belongs to a relative who 's name is similar to mine. However our names are not the same. I have even spoke to Equifax and the agent advised a notice would be placed in my file to ensure my social security number was on any negative information placed on my file. ( I can fax supporting documents )
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (NC)

I received a credit card with account deposit slip from Chime. I did not open this, it is fraud. I contacted chime at support.chime.com to close out the account, the number listed no one picks up. 

phone number is XXXX The card number sent to me is # XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ASTORIA BANK (NY)

I am refinancing my coop mortgage. 

With a coop the collateral is the stock. My current lender, Astoria Federal, possess the stock. My new lender, XXXX XXXX, has requested the stock from Astoria on XXXX XXXX, 2015. It typically only takes about a week to transfer the stock but as of today ( almost four weeks later ) XXXX has not confirmed if/when they will transfer the stock. 

I have already paid over {$1000.00} for fees relating to this refinance and further delays will add additional cost to me. 

I have contacted XXXX Federal, their mortgage service company ( XXXX ) and the attorney representing Astoria XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and no one has been able to confirm the location of the stock or how to retrieve it.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-11-21
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: LEXISNEXIS (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-11-21
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: JPMORGAN CHASE & CO. (OH)

In accordance with the fair credit Reporting act 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 instructions.

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 2016-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

I am beyond frustrated at the way Chase has handled my dispute complaints. I have been victimized by an online business scam and previously requested assistance disputing the charges paid to these fraudulent companies. I just received a letter that my case was closed because they " did n't receive any documents that indicated I wanted to dispute '' ... I was previously unable to open the dispute because I was told it was outside of the 60-day time frame. They never requested any documents from me I filed a complaint here because I hoped someone would look into this further. I have other credit cards and they are looking into charges just as old or older. The charges I am disputing for not being rendered to me as described are XXXX XXXX XXXX in the amount of {$280.00} and XXXX in the amount of {$630.00}
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

On XX/XX/XXXX While I was preparing my taxes on XXXX XXXX, they needed to know how much my capitol gains from trading crypto currency were for XXXX. The website gave instructions on how to let them have the report from Coinbase Pro, however they were difficult to follow. I also had Coinbase Pro website on my laptop and was trying to figure out how to do it. On the computer there was a phone number to call to get help. When I called the number the man said he worked for Coinbase Pro and would help me figure it out. He asked me to let him on my computer and said he would take care of it for me. He was doing all sorts of things and he assured me that it was all part of the process. After a short while he suddenly hung up and I never heard from him again. When I tried to call him back at the same number, a recording said it was no longer in service. I didn't want to panic so I waited for him to call me back which never happened. When I logged back on Coinbase Pro my remaining balance was only XXXX cents ... .down from aprox {$5600.00} which was made up of about XXXX in cash and XXXX of XXXX and XXXX XXXX XXXX. 
Later I found out that he also transferred XXXX out of my checking account. XXXX on my debit card and XXXX from my checking account. 
I contacted Coinbase Pro immediately and they said they would begin an investigation into it. I Contacted my bank to stop any transactions I could to Coinbase Pro.

When I called back to Coinbase Pro a few days later, I found out there was absolutely no investigation done at all.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had ordered {$2500.00} of restaurant equipment through a reputable company called XXXX XXXX on XX/XX/ here in XXXX XXXX. The items weren't available upon pickup date so the business delivered them two weeks later. Upon arrival the business asked for XXXX as their credit car machine " wasn't working on weekends. '' So I sent {$2500.00} on XXXX  to the business ' bank account. 

Of the items purchased, none of them are in working condition. I have the invoice from the website with a picture of the item listing stating it is in " working condition. '' Commerical Fridge - Freon Leak ( have invoice from a licensed XXXX XXXX stating the fridge needs expensive repairs ) Patio Heaters- Glass tube in middle is cracked, missing top heat exchanger and bottom coil Vaccum Sealer - Item listed was a XXXX vacuum sealer, ( I think ) I received a XXXX as the company can't identify the one I have, and the sealing bar isn't working, preventing the entire machine from working, as it's an outdated machine, the part is on backorder and will take months to get here. Troubleshooted the issue since I had a licensed electrician and went back and forth with the IT department of XXXX to diagnose the issue with a multimeter. I attached a picture of what they stated was listed ( A vacmaster XXXX ), as you can see, the one I received isn't close to

the one in the picture. Chest Freez
er - Upon delivery, business owner said the hood of the freezer flew up on the freeway which broke the freezer hinges and the top won't stay closed without a weight on top of it. 

I have contacted the business and all they can do is " talk me through '' the problems with no further help or ability to negotiate getting my money back. None of the items that I purchased were in working condition per the company 's legal disclaimer stating they SHOULD work. 

So I then contacted Wells Fargo, made a claim on XXXX  and after 3 weeks, they said they can not do anything since it is a XXXX transaction and XXXX can't refund the money. I find this odd as Wells Fargo states XXXX is an " authorized '' company for them and they promote XXXX across all of their apps. 

I have pictures and videos of the equipment not working, statements from professional XXXX companies explaining the problem, and statements from licensed electricians explaining the other issues.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have a savings and checking account at BECU which I have been trying to close since last year. Some time last year, i tried to deposit a 2 party check and they XXXX my access to my account which seems illegal. When I phoned in, they refused to remove the block. Unlike every other bank who would hold and reverse funds, they chose to remove all access i had to my account. 

Since then, i have tried to close my account in many ways, online, on the phone etc. 

On a phone call, i was told that BECU does not permit closing accounts on the phone and i must visit a branch ( which i cant ) or i must mail in the form. 

I downloaded the closing form and the fax number BECU has for account closing requests is also shut down. 

Then I mailed in a letter last month and I got a missed call from BECU but still no check and no confirmation of account closure. 

I would like BECU to close my account and send me my funds. I also dont know if they have tacked on any illegal fees since I literally have no access to my account or visiblility to it for a year now.
Consumer complaint received 2022-02-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (CA)

Account : XXXX ( XXXX ) My name is XXXX XXXX, and I am a federally protected customer creating a complaint against American Education Services for XXXXommitting identity theft and violating many of the laws set forth in the FCRA. I have never given American Education Services my consent to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim that I owe. Pursuant to 15 USC 1692c ( c ) I am legally refusing to pay this erroneous debt. I am demanding a cease and desist of all illegal activity, any communications or collection activities, and any alleged debts until AES can provide me with sufficient documentary evidence that there is any legal obligation to pay them. If the required evidence can not be produced and AES chooses to continue it's collections efforts, I will file for litigation for actual damages caused and AES will be help criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein and of this notice, you are notified pursuant to UCC 1-202f. Your immediate attention is both required and requested.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

On XX/XX/2022 at XXXX. I received an email from PNC Bank regarding an overdraft status. I heard the 'ping ' on my phone and looked at the email. It stated that I needed to check my balance and deposit funds into my account. 

That was a XXXX. 

At XXXX. I got up to go to the bank and deposit funds, when I saw that PNC had ALREADY removed an overdraft item fee - they didn't even give me a chance to get the money into the bank. 

I called PNC 'Customer Service ' and the rep advised me that, even though the email said I had time to get funds into my account, that's not actually the case. What??!!!!!!! 

How am I supposed to know that? I'm not a PNC employee! I rely on the information PNC sends me, and if it's incorrect, that's on them, not me. 

It's bad enough PNC forces me to change my password AT LEAST XXXX a month, but this is ridiculous! I wonder how many other customers they've stolen money from this way.
Consumer complaint received 2022-08-25
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. (MO)

This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$220.00} XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IA)

A condo questionnaire is a form sent to a condo development by a lender when a potential borrower applies for a mortgage. The questionnaire allows the lender to determine if the condo meets its requirements for a loan. If the requirements are met, the lender can in turn consider providing a loan to the condo buyer. XXXX XXXX, the president of XXXX XXXX XXXX, willfully misrepresented the condo questionnaire by stating there are no special assessments. Theyre currently {$1800.00} per owner of special assessments for roofing efforts. Per the impromptu attachment as you can see that these roofing efforts are ongoing. To make matters worse, shortly after she submitted that questionnaire to my lender, she had plans to put roof on her building, and is quite aware that the roofing assessment is not completed. Numerous owners have had requested financial documents such as tax returns, bank statements, and other documents such as contractor estimates. XXXX has refused, and I suspect the associated documents requested on the questionnaire, if theres a special assessment, is the reason why XXXX willfully lied on the questionnaire. This is a serious issue and a misrepresentation that forcefully rendered XXXX XXXXXXXX XXXX worthy of a loan from loan depot had I known they were special assessments I would not have purchased a condo. My mortgage Company and the company that sent the questionnaire is loanDepot, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I think loanDepot should be held accountable for these will for lies and the misrepresentation, I am on a XXXX XXXX & a XXXX  mother and this was an egregious lie. 

Complaint against : XXXX XXXX, President of XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TN)

I opened an account with Chase that promised XXXX points for XXXX rewards. The offer did not clearly start when the offer began or ended except for " XXXX months ''. It was not clear if it was XXXX months of opening the account or XXXX months of activation. The account opened on XX/XX/2016, I received the card XX/XX/2016 and activated it in XX/XX/XXXX. 
I was charged an {$85.00} membership fee. Chase refuses to reward the points.
Consumer complaint received 2022-11-21
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. (OH)

XX/XX/2022 I called XXXX XXXX XXXX to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXX XXXX XXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX XXXX do. I asked if XXXX Account XXXX owned the account. The agent said no, XXXX owns the account, and we are a XXXX party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXX XXXX XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

I received an alert on XXXX XXXX that an account was open in my name. I flagged it and about a week later received a letter from Wells Fargo that it would be investigated. 2 weeks later I received {$440.00} as a result of the account being closed. I never opened the account or deposited funds anywhere. I originally assumed it was a credit card that was the issue. Yesterday I received a bank statement that listed 4 transactions and stated that the account is closed. The checking account ( XXXX ) routing number ( XXXX ) was opened on XX/XX/22 with {$73.00} deposited. On XX/XX/22 {$440.00} was deposited with the following information ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same day ( XX/XX/22 ) a withdrawal for {$510.00} was made ( XXXX to XXXX XXXX XXXX # XXXX ). on XX/XX/22 a second deposit for {$440.00} from ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX was made. The account was closed XX/XX/22 ( Loss Prevention Closing Entry ). This is how I received the check for the balance of {$440.00}. Again, I did not open the account. I never received any statements when the account opened. I am not sure if a bank card was issued or physical paper checks. Since the bank had my name and address on the statement, I only assume a card or check would have a different address associated with it if they exsited. On the statement I received yesterday under account information the following boxes were checked : Online Banking, Online Statements, My Spending Report and Direct Deposit. I can be contacted for questions. XXXX Thank You XXXX
Consumer complaint received 2022-10-02
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: Merchants Credit Bureau, Inc. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-21
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. (MD)

Equifax continues to show an inaccurate address, where I never lived : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, Md. XXXX. I have never lived there.