davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
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 (MO)

So Im trying to use PayPal for XXXX so I can sell and I recently just opened it up. and one day out of nowhere they permanently banned me. So I got in touch with them over the phone today and the person I talked to said there team went over it and had suspicious activities and I can get the funds out within 180 days and kept giving me the same vague answer. Now I did have a account that I made when I was 14 under age and when I turned 18 I got back with them and talked about verifying the account and he got back with me and said I cant use that one why I dont know but he said I can make another one on a different email so thats what I did. And it all looked good until last week I got a alert that said the account was limited for suspicious activitysand no real answer. Now I did put the bank that I use and have access to and use constantly its under my fathers name because I turned 18 last XXXX and I have had access to the account sense XXXX of last. year and I can provide proof that I do have access to the account. My email is XXXX and the account is under XXXX my number is ( XXXX ) XXXX BTW I have another video that shows the agent saying I can make another
Consumer complaint received 2023-04-05
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: JPMORGAN CHASE & CO. (VA)

I noticed that 1 week ago, my credit score has dropped by a lot. My credit score used to be a very good score and it just decreased. I found a credit account called JPMCB Card. I saw that it was opened in XX/XX/XXXX by using my personal information without my authorization, which affects my credit score. I never created it or used it so I contacted the company, JPMCB at XXXX on Thursday, XX/XX/XXXX, at around XXXX XXXX. The guy I spoke to transferred the line to the fraud department and they promised to investigate it and try and close it. Though, it still appears to be there. Yesterday, XX/XX/XXXX, I contacted XXXX XXXX XXXX department and Ive been told that this credit account, JPMCB, doesnt appear in their system and they couldnt do anything to help. I also wanted to let you know that Ive experienced fraud once before with my debit card. Im worried that my personal information was leaked since then. I appreciate your support.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

My chase account was being used to XXXX 2 separate people under the names of XXXX with the number XXXX and XXXX XXXX with the number XXXX various amounts of money which totalled to {$740.00} without my knowledge. XXXX was sent a total of {$500.00} and shanea of {$140.00}. I did not make these payments
Consumer complaint received 2022-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (TX)

Hello, NACA is violating the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) rule that is outlined by the CFPB. 

https : XXXX NACA is calling their process homebuyers counseling, but they are collecting all the documents needed to make a credit decision. 

https : XXXX Also, NACA is violating Reg B ECOA as it relates to their process they define as homecounseling. 

https : XXXXXXXX XXXX XXXX They are same entity providing both the counseling and application approval. 

I have been in their so called home counseling for months and they have asked for documentation and push next appointment out for months. 

NACA should have to comply with all the regulatory rules. They have failed to provide a detailed explanation how this process with my application is complying. Also, they should not encourage any applicant to go apply with another lender due to their failed untimely processes.
Consumer complaint received 2021-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.
Consumer complaint received 2021-02-25
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

From XX/XX/2020 thru the present Citibank , N.A . has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. 

During the same period, Citibank , N.A . has intentionally turned my credit card account over to a Collection Agency XXXX who would has demanded payment. 

To date Citibank , N.A . continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. 

I have also, have discovered that as a practice and policy Citibank , N.A . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. 

The consequences of this actions are immeasurable.
Consumer complaint received 2023-04-03
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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I contacted Lightstream ( Suntrust ) Via phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.
Consumer complaint received 2022-07-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, have violated my rights.

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, states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-17
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)

There's XXXX XXXX XXXX XXXX credit card on my account that were paid and closed on XXXX. However XXXX XXXX XXXX kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the XXXX XXXXXXXX XXXX account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (PA)

I have written several disputes to FIRSTPOINT COLLECTION RESOURCES INC, and they have never responded at all. I have no idea who FIRSTPOINT COLLECTION RESOURCES INC is or why they are on my credit. I have rights! I demand that you help me! They are not allowed to report accounts that are not validated to the consumer! Please help me!
Consumer complaint received 2022-08-08
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from AMEX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact American Express. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted American Express Fraud department to be transferred to Application services. They confirmed an application was received and approved. American Express has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights.

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.

To many credit inquires from unknown sources.
Consumer complaint received 2019-03-01
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. (MN)

I'm asking that the 4 accounts on my credit report ( 1 ) XXXX XXXX XXXX XXXX {$5.00}, ( 2 ) XXXX XXXX XXXX XXXX {$4.00}, ( 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX XXXX {$0.00}, be blocked/ removed immediately in accordance with the FCRA if your companies can not provide me with physical documentation of these accounts. And upon your verification process/ investigation I would like to know the full details of the process.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have unauthorized inquires on my Transunion consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. These inquires are fraudulent and I need them removed from my report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Relin, Goldstein & Crane, LLP (NY)

I wrote letter to law office of relin Goldstein phone ( XXXX ) XXXX telling them that the XXXX XXXX   account belongs to another XXXX XXXX last four of  my social XXXX I have common name I send letters to XXXX XXXX XXXX XXXX # XXXX XXXX not XXXX but they keep calling me first my cell XXXX XXXX XXXX and then my wife 's phone number XXXX XXXX and then my home phone I don't know how they got my home number its unlisted when I block them they call my other numbers harassing me my XXXX XXXX XXXX pick up the phone and got scared by these people. I told these people several times that this is not my debt they have wrong party and also has been searching my information on social media I have protection s alerts that tell me if I'm being search. Can you please tell law office relin Goldstein to leave me alone I going to make a complaint with the grievance committee for misconduct and unlawfully abuse. And filed a police report. Trying to intimidate me and my kids wife I have rights
Consumer complaint received 2022-07-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There's XXXX Bank of America credit card on my account that were paid and closed on XXXX. However Bank of America kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the Bank of America account to report the accurate closed date on my XXXX and XXXX credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.
Consumer complaint received 2021-10-08
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: DISCOVER BANK (OK)

I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

I opened a Wayfair Credit Card which is held by Comenity Bank. Upon opening the card I called and asked if the statements that I received would reflect the minimum monthly payments to pay the account off within the 0 % interest time frame. During that call I was told that they would. Today I opened my statement from Comenity Bank and there are {$500.00}. I called Comenity Bank and there is not 1 of the 5 people that I spoke to that A ) Explained the charges in the same fashion or B ) Were able to explain the charges at all and the fairness in which they were charged. I was referred to as a child, I was challenged to think like a consumer and be responsible and above all not given factual proof of said charges. I 100 % agree with the ability to profit on consumers, I do not agree with deception and unfair predatory treatment. When asked about their offerings for hardship during the pandemic I was advised to call after my due date without making a payment which would then incur a late fee? I was able to understand that Comenity opened 3 different promotional accounts under 1 main account and applied payments at their discretion instead of in the best fashion for the consumer.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo fraud department contacted the consumer at approximately XXXX XXXX on XX/XX/2023 and notified him/her of a transfer of money from his/her checking account to his/her savings account and an electronic wire transfer in the amount of {$25000.00} from his/her savings account. The consumer confirmed with the representative that this activity was fraudulent and not initiated by him/her. He/she was instructed to login into his/her Wells Fargo account and walked through a series of steps that was supposed to cancel the pending wire transfer. At this time, the representative stated a fraud claim was being initiated and the username and password to his/her online banking was changed. During the course of this conversation, the consumer confirmed the phone number was the Wells Fargo XXXXraud department number. The representatives stated that the money would be returned to the consumer 's account by the next day, Saturday XX/XX/2023. 

Later that afternoon, the consumer attempted to login to his/her online banking account but was locked out. He/she then contacted the Wells Fargo fraud department at approximately XXXXXXXX XXXX. At this time, the representative did not have any history of a fraud claim being initiated earlier in the day. A new fraud claim was begun for the online money transfer and wire transfer which had been posted. His/her username and password to his/her online banking were once again changed, his/her checking and savings accounts shut down, and two credit cards were turned off as it was obvious his/her online account had been hacked. New accounts were opened and new cards issued. He/she was told at this time that the fraud department would be investigating the fraudulent activity. 

As of Tuesday XX/XX/2023, after speaking with an Executive Case Manager assigned to this fraud claim, the consumer was informed that the initial phone call was from a spoofed phone number posing as the Wells Fargo fraud department. The initial phone call was actually made by scammers and during the phone call they had actually instructed the consumer in completing the wire transfer. 

On XX/XX/2023, the consumer received a letter in the mail from Wells Fargo post marked XX/XX/2023 stating that the fraud claim had been closed and the investigation determined that the wire transfer was not fraudulent because it was initiated from the consumer 's online account. The letter claimed that the consumer must have either initiated the transfer him/herself or shared his/her login, and therefore the fraud was essentially the consumer 's fault. 

Wells Fargo is refusing to consider the wire transfer fraudulent despite admitting that this is a scam. The consumer has now had {$25000.00} stolen from their account that Wells Fargo is refusing to reimburse. Well 's Fargo online banking system is insecure and allowed this to occur, yet is not being held responsible and instead the consumer is being held responsible for the fraudulent activity that occurred.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (MA)

I made payment to Indigo card on XX/XX/2021 they are telling me it will take up to 14 days for the balance to update on card how is this fair I paid my bill XX/XX/XXXX but I cant use it for 14days how is this fair that they take my money n I get no credit for it for 14days this is ridiculous n so unfair XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (AR)

I have tried to get in touch with ACS Education Services who is nolonger open. Prior to them closing my loan was supposed to be consolidated with my other loans- instead it has been bounced to one debt collecting company after another. I constantly get letters from other debt collectors stating that they know have the loan. The original loan amount was XXXX in 2006  and now its XXXX. This was also included in my bankruptcy XXXX was being paid for the last 5 yrs. What can I do to get this remedied?
Consumer complaint received 2016-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meridian Financial Services, Inc. (TX)

Meridian financial placed me in for collection without notifying me. My credit score went from a XXXX to XXXX. I was n't given an opportunity to discuss and or pay a debt that was 5 yrs. old prior to them killing my credit. I contacted the time share and solved the problem in a 20 minute phone call. When I called them Meridian to tell them that this was a misunderstanding and the debt was paid, ( without there help ) and that I would appreciate them clearing my name I was told and lied to about how they spoke with my husband ( XX/XX/XXXX ) ..who died in XX/XX/XXXX. And how they sent numerous letters to an address I never lived at. And how this will be staying on my credit report for 7 years!!! I think it is unfair for a company to have so much power that they are able to wipe a persons credit out with the stroke of the keyboard. I am asking that this mistake does n't wipe out 40 years of exemplorary credit! My credit is who I am and it means the world to me. As a widow I would not have been able to provide for my children. Now as an XXXX adult I must maintain great credit to survive. Thanks!!
Consumer complaint received 2022-07-18
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : TOYOTA MTR XXXX