davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Grain Technology, Inc. (AZ)

I got a credit card with a company called Grain, I believe it was in 2021. I got it because I was building credit and I was preapproved for {$1000.00} without running my credit. It wasnt a physical card, basically any time I needed to use the credit card i requested an amount be transferred to my bank account from the line of credit. Fast forward to about 8+ months ago, they started acting shady. Using a third party company and forcing me to upload pictures of the front and back of my social security card, refusing anyone access to their account without this, and when I emailed them that I was uncomfortable and wanted more information, they told me that I wont be allowed access to log in to pay my card. They stopped responding to me, i complained that they have automatic payments coming out of my account monthly yet I wasnt allowed to see any activity on my card including the interest or balance and they turned off my payments without my consent to damage my credit. I filed a complaint with XXXX  after they finally locked me out and they briefly went back to responding, now its been about 2 months of them not responding again. I finally sort of got back in my account, and noticed that they offered an option to now upload your drivers license since enough people complained instead of the social. I did that, even though I was still uncomfortable, and now its been about 6 weeks and they still havent verified my drivers license through the shady unknown XXXX party, I still cant get in my account, and they still wont answer me. Surely I should be allowed to have access to my own card and better customer service.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

I have received several correspondences from Well Fargo including a Checking Account Statement. I did not apply for, or authorize Wells Fargo to open an account in my name. All information on the account, specifically my Social Security Number, Drivers License Number and Birth Date were correct. The only incorrect information was the expiry date on my driver 's license. This leads me to suspect that either Wells Fargo or a complicit third party illegally obtained my identification information.
Consumer complaint received 2016-12-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

LOSS OF WORK PUT US IN A SITUATION OF FALLING BEHIND ON OUR MORTGAGE FOR 4 MONTHS. THEN WE FINALLY WERE ABLE TO MAKE A FULL PAYMENT DURING THE 4TH MONTH AND XXXX XXXX XXXX WOULD N'T ACCEPT ANYTHING LESS THEN THE 4 FULL MONTHS. THEN THEY TOLD US TO FILL OUT A HARDSHIP PACKAGE SO THEY COULD SEE WHAT PROGRAM WE QUAILIFIED FOR. 1 1/2 MONTHS IN THE PROCESS THEY SOLD OUR MORTGAGE TO A COMPANY WE 'VE NEVER HEARD OF " CARRINGTON ''. THE HARDSHIP PACKAGE WAS NEVER FORWARDED TO CARRINGTON AND CARRINGTON WOULD N'T ACCEPT PAYMENTS BASED ON THE INFORMATION XXXX XXXX XXXX GAVE THEM. SO HAD TO SUBMIT ANOTHER HARDSHIP PACK WITH THEM. NOW AT 8/9 MONTHS BEHIND THEY TELL US WE DO N'T QUALIFY FOR ANYTHING OTHER THEN LIQUIDATING OUR HOUSE. THEY TOLD US WE CA N'T APPEAL THE PROCESS BECAUSE US FALLING BEHIND HAD NOTHING TO DO WITH LOSS OF INCOME. I HAVE NO IDEA WHERE THEY CAME UP WITH THAT XXXX. I SENT THEM MY UNEMPLOYMENT BENEFIT PAGE SHOWING HOW MUCH I RECEIVE AND WHEN IT BEGAN. WE WANT TO KEEP OUR HOME, WE OFFERED THEM {$5000.00} DOWN ( THATS 75 % OF WHAT WE OWE ) AND THEN WORK OUT A PLAN THAT WE COULD PAY SOME EXTRA EACH MONTH ONTOP OF OUR NORMAL PAYMENT TO GET US BACK ON TRACK AND THEY SAID NO. WE HAVE LIVED IN THE HOME FOR 12 1/2 YEARS.
Consumer complaint received 2019-12-25
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. (AL)

JP Morgan bank/ Chase Bank is reporting a credit card on my credit report that I have NEVER applied for and is fraudulent. 

This account was supposedly has a {$1200.00} limit with a {$1300.00} balance. I DID NOT apply for nor use this account.
Consumer complaint received 2022-11-16
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. (SC)

In acc

ordance to the fair credit reporting act this creditor has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 USC 1666 ( a ) Time to make payment 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 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

I recently applied for a refinance with XXXX  XXXX my current lender is Ally I have been on the phone for numerous hours trying to fix this issue XXXX  XXXX declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to Ally and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as Ally passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.
Consumer complaint received 2019-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (CA)

On XX/XX/XXXX, i opened a " skrill.com '' account, proceeded to upload the required documents and information required. 

Included SSN, DL #, bank account information, and copy of bank statement.

I loaded {$5.00} with the respective bank account and waited for cleared funds. 
{$5.00} left bank account on XX/XX/XXXX. 

On XX/XX/XXXX my account was locked pending further upload of selfie with DL was required. I obliged. Then on XX/XX/XXXX was further locked pending a ID, DL, or passport copy upload. 

I attempted to upload my DL 7+ times over the next 2 days to no avail. Website took the front id upload then got stuck on loading screen after uploading the back every single time. 

Seeming like website failure, i contacted the phone customer service line on XX/XX/XXXX. I was then told they recieved the ID copies 4 times. So why could they not unlock the account? They wanted a copy of my actual social security card ... i said no where on the site requires this and im not going to just take your word for it and give you my most secure document. I want my money refunded and account closed. 

She stated after 5 days of funds clearing i could withdraw my funds. 

I waited, and account is still locked. 
Contacted web customer service and they said it was now 60 days for me to get my money back. 

I contacted them again and they just regurgitate the ID, DL or passport requirement for verification ... 

This is a ridiculously red flag, scam type requesting company. I just want my money back and account closed.
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. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Inquired on XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balanced Owed : {$0.00}
Consumer complaint received 2019-12-25
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: EQUIFAX, INC. (TN)

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX  XXXX  XXXX  Original creditor : XXXX UNIVERSITY  {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

Gift card was purchased by a relative in California. He sent the gift card to my daughter here in Texas. Tried using the card to find the card was already used in California at a couple retailers. The card packaging was sealed, card was not tampered with. Please tell me how a sealed secure gift card was used at a XXXX in California when the card is here in Texas in my possession? Called US Bank to get this resolved but now being told I need to fill out a bunch of paperwork and send them my ID and it will take 90 days. doing research online, this is a very common issue. and many consumers are being told they have no recourse. This really is too much trouble for a {$100.00} gift card for a XXXX XXXX XXXX BUT based on principle, something has got to be done. This sounds like a perfect inside job. Its apparent that this has been going on for quite some time however nothing has been done or changed within the organization. One needs to ask why? Maybe its because they have not been exposed? No internal investigations? Its the perfect scenario... sell a good, make it seem like there was fraud? Keep the money in house! 
Also, the fraud case I opened with US Bank will require my ID, Paperwork and will take 90 days! I am very concerned about ID theft and now they want me to release my ID for a giftcard for {$100.00}? sending them my name address emails phone numbers isnt good enough? 
Something has to be done!
Consumer complaint received 2019-12-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NE)

This year in XX/XX/2019, I sent Navient an IDR form letting them know I have no income, due to XXXX  XXXX and being left destitute by my abuser. Yet on XX/XX/2019, they harass me by letting me know of amounts like {$26.00} is due. They accept the IDR form, yet they continue to harass and charge me. I have no income, money, nothing. Its predatory. I've defaulted on my loans, then filled IDR forms, due to a history of poor health and abuse. Yet they harass and badger me after they accept the IDR form.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Upgrade, Inc. (OH)

I applied XXXX checking account on XX/XX/XXXX. It's been a month, and my account is still not ready yet. Every week, they sent me an email says I need to call for verification. So far, I've uploaded my driver 's license, the photo of me holding my driver 's license, the photo of me & driver 's license & a note says I'm applying upgrade account, XXXX form, XXXX, and tax returns from XXXX and XXXX. They are still NOT able to open the account for me. I don't understand why this is so difficult. I'm just applying a simple and normal checking account, not a loan or credit card. The customer services are not professional nor friendly either. It took me at least XXXX calls to figure out I need to uploaded those forms from IRS. In the past month, I've called at least 10 times, wrote a bunch of emails, but Upgrade is still reviewing my application. No one ever talks to me about anything regarding my application until I call in and ask for instruction.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I got an unauthorized charge to my checking/debit card account on XX/XX/2022 at XXXX. After making an authorized charge of XXXX for merchandise never received on XX/XX/2022 XXXX PDT. I've reported this claim several times to Chime Financial only to be denied several times and do not know who else to turn to for help. Their argument is that since the both companies had my information and I was in possession of my card I must have authorized the charge. The fact that no merchandise was received for the first charge of XXXX and the second charge was made a different time totally unauthorized. ( Perhaps the XXXX companies are the same or Company XXXX ( XXXX ) illegally shared my info with company XXXX ( XXXX XXXX XXXXXXXX ) ; makes both these charges fraudulent. Chime witch claims to offer fraud protection has failed to provide it. After talking to several supervisors and customer service associates no was able to connect me with their fraud dept., only send them an emails or have the authority to issue me a credit. Upon first reporting this issue I was told I would need a new account and card which did not receive for over 2 weeks. It's been close to a month now with no resolution.
Consumer complaint received 2022-01-20
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: WELLS FARGO & COMPANY (NY)

I'm a XXXX military member that recently came home from XXXX XXXX orders. All of my payments are up to date and never more than 30 days late. Wellsfargo my home mortgage company just reported me for late payment over 30days. These payments were to be automatically deducted from my account. It seems that they tried to withdraw the funds from my account but it didn't go through. Wellsfargo then stopped accepting my automatic payments. I did not know this had occurred because I'm signed up for paperless billing. Once I noticed by signing into the account. I immediately paid the account. 

We are also in the middle of a pandemic. Transitioning from XXXX XXXX to civilian life has been very challenging during these hard times of the pandemic. I understand they are not allowed to report late payments during the pandemic. As you can see from my credit report I've never been late on any payments. This reduced my credit rating by XXXX points. 

I need this to he removed immediately as I'm trying to refinance my home and will greatly impact the results. Could you please help?
Consumer complaint received 2015-06-24
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Received a letter in mail written XXXX XXXX received Citizens XXXX XXXX stating the citizens bank is going to cancel my account as of XXXX XXXX. No reasoning found never bounced a check. Only reason on letter is because they can. Contacted via phone said go branch. I went to XXXX branches did n't know why. I put in XXXX too really disappointed them. After that XXXX said they could can cancel acounts No warnings. Still why she will try to reinstate account.
Consumer complaint received 2016-11-06
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Harpeth Financial Services, LLC (TN)

Initially I thought that the flex loan through Advanced Financial was exactly what I needed at the moment. After having always made my payments on time for well over a year. Last month they charged me twice causing me to default on XXXX other accounts as well as overdraw my bank account. I have paid the principal off multiple times over. This cost me a lot of problems and a lot of money. I have never made a late payment on anything. I spoke with them they said they could not refund the money but that they would defer the interest. They did not. I spoke with him several times and what they said was the corporate office. No one knew anything about it. Then they tried to take money from my bank and my credit card. Accounts that had been used for a one-time-only payments.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I am a bmo account holder and i take XXXX payments from clients at work using email. a few months ago i noticed my email was compromised from XX/XX/XXXX XXXX thru XX/XX/XXXX XXXX on XX/XX/2022 i reached out to a client at from work because i didn't see his payment on my bmoharris account i then realized i have not gotten any payments from him since Hes came to get serviced by me. i opened my email then noticed a chase account had received up to XXXX payments dating back to XX/XX/2022 ..after a long call with chase representatives and transferring me to different departments with chase giving me the run around i finally was able to open a claim its been XXXX months and i try to reach out to them and leaving voicemails they haven't reached out.. approximately about XXXX dollars are owed. I am really frustrated I'm giving up but i also know theres more people going thru what i am going through. I would love to see a change with these banks as far as taking further action with their own clients.
Consumer complaint received 2022-01-20
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. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
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. (NY)

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX. 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 5 inquiries I did not authorize or make : XXXX XXXX XXXXXXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.