davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XX/XX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The Ref # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XX/XX/2020 and was advised by another agent to re-file my amendment request ( Phone call Ref # XXXX ). Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase ( Phone call Ref # XXXX ). Again, no one called or emailed me from Chase. Finally, on XX/XX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did ( Ref # XXXX ). Since then, I have called Chase Bank several times to follow up on this issue and the wire transfer phone line has never been answered, but rather a recording directs customers to send an email while the email center advises customers to call the wire transfer line. The only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A  CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Consumer complaint received 2020-07-28
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. (CA)

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (FL)

Purchased a {$50.00} XXXX gift card at a XXXX grocery store on XX/XX/XXXX using an XXXX   card Card # XXXX pin XXXX Used it once or twice. After the last use, the card had a remaining balance of {$2.00}. When I attempted to use it on XX/XX/XXXX, I found that someone had drained the balance. Called issuer ( XXXX ) They advised that it was in fact used for {$2.00} on XX/XX/XXXX at a station in XXXX XXXX, fl that I do not frequent. Contacted XXXX ( retailer ) they would not be able to help me. Contacted XXXX. They said I would need to forward them the ORIGINAL RECEIPT and the card for them to consider a refund. I explained that I do have the original receipt, but I do have a credit card statement showing the purchase on XX/XX/XXXX. XXXX states that this is insufficient. Consequently, here is by complaint This resulted from a lack of security on the part of XXXX allowing for the cloning of gift cards. If these cards had simple security measures ( chips, Pin #, zip code ID, or registration ) perhaps these frauds would not be as prevalent. 

XXXX acquired by Blackhawk network
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (SD)

On XX/XX/2020, I contacted US Bank to place a stop payment on charges to my checking account from XXXX XXXX. The representative I spoke with advised me of the {$35.00} fee, and I agreed. The {$35.00} was applied to my checking account. I was under the impression ALL charges from XXXX XXXX would be refused as unauthorized. 
On XX/XX/2020, a charge in the amount of {$150.00} was withdrawn from my checking account and paid to XXXX XXXX. I contacted US Bank on XX/XX/2020 to request the charge removed from my checking account as I had previously removed authorization for XXXX XXXX to withdrawal from my account. The representative I spoke with understood my concerns, and advised the original stop payment was not done correctly and credited me the {$35.00} stop payment fee. I advised her I did not care about the fee, as I had agreed to it, but I need the {$150.00} back. She reassured me the {$150.00} would be removed within 10 days, and I would receive a form to complete and send back. 
I faxed the completed form on XX/XX/2020. I called US Bank twice to check on the status of my return. The second call, the representative advised my claim was denied. 
Please reconsider this decision. I did everything in my power to contact US Bank to remove the authorization and paid the fee to have the payments from XXXX XXXX stopped. If the stop payment was not done correctly or not done for all amounts, I would not have the knowledge as the consumer to know that. I am also very concerned additional amounts from XXXX XXXX could be taken from my bank account. 
I have had this account for nearly 20 years.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX and Experian should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was directly affected by Hurricane Harvey and was not able to work. I contacted the bank to make payment arrangements on this account, which the bank accepted. I was told that since I had made payment arrangements that no lates would be reporting on my credit report. Unfortunately, the bank did not honor our agreement. The account balance reporting also is incorrect. 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 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am currently under the CARES ACT of XX/XX/2020 for my FHA Mortgage loan with XXXX & XXXX. Based on the guidelines under this act, my credit is not supposed to be effective. However, XXXX & XXXX is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at XXXX & XXXX stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

XXXX XXXX charged me {$320.00} on XX/XX/XXXX and {$91.00} on XX/XX/XXXXXXXX XXXX XXXX set the wrong insurance ( XXXX XXXX XXXXXXXX ) and never contacted me for the correct insurance XXXX XXXX XXXX XXXX XXXX XXXX ) or with a bill via phone, mail, or email. XXXX XXXX sold the debt in XXXX to Receivable Management Systems. Receivable Management Systems never sent me a letter to the address provided to them by XXXX XXXX. I have never received documentation from Receivable Management Systems, even after requesting it once I checked my credit and saw the collections account. I called XX/XX/XXXX and was told the account has been accruing interest since XXXX, and the amount owed is {$900.00}. I was unaware of this collection account, and Receivable Management Systems never reached out to me and has an address on file they pulled from some unknown source. Receivable Management Systems have never reached out to the address they have on file. 

Receivable Management Systems XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Toll-Free Hours of operation : Mon. XXXXXXXX XXXX XXXX XXXX XXXX Friday XXXXXXXX XXXX XXXX XXXX Saturday XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies within the last 30 days. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX, XXXX XXXX XXXX XXXX Installment with account # XXXX XXXX XXXX bankruptcy discharged 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 can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to formally file a complaint regarding an issue with the personal data on my credit report, which I believe is not being handled in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681g. 
On XX/XX/year>, I sent a written request to Experian to correct or remove inaccurate personal data from my credit report. My request was based on the FCRA requirement that consumers have the right to accurate information on their credit reports. The specific inaccuracies in question include my one and only name is XXXX XXXX XXXX XXXX and not the many variations they have such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
Unverified accounts, no documents used to verify has been provided despite my requests : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry not authorized. 
XXXX XXXX XXXX XXXX In my initial letter and phone call on XX/XX/year>, I provided all necessary verification documents as stipulated under the FCRA to support my request. These documents included a copy of my social security, passport, and utility bill. Despite providing these documents, Experian has failed to take appropriate action to rectify the inaccuracies.

The failure to correct or remove this incorrect data is causing significant distress and may negatively impact my creditworthiness. As per the FCRA, I am entitled to accurate information and timely resolution of such disputes, and I have yet to receive a satisfactory response or resolution from the credit reporting agency.

I respectfully request the CFPBs assistance in ensuring that my request is processed correctly. Specifically, I seek the following : 1. A prompt review and correction of the inaccuracies on my credit report as per my initial request.

2. Confirmation that all required verification documents have been received and appropriately reviewed.

3. A formal update on the status of my request and any actions taken by the credit reporting agency.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Account System calls me every day and then hangs up when I answer. I have spoken to them and was threatened by their employee. I have asked them to stop calling me and to call the creditor instead, but Eastern Account System still calls me every day, even on weekends and holidays.
Consumer complaint received 2023-01-12
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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. (IL)

Equifax and XXXX continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.