davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX  customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX  Bankruptcy : Bankruptcy Date Filed XXXXXXXX XXXX XXXX Reference Number XXXXXXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXXXXXX XXXXXXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2020-01-24
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. (GA)

I settled a XXXX XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The key phrase in that paragraph is : " RECORD THE  CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

I went to First Interstate Bank yesterday and tried to close an account in my brother 's name being I am my brother 's attorney-in-fact. Bank refused to do it. I asked for the account number, they wouldn't provide it. They wouldn't even provide this to my brother, the account holder. I was also face to face with the branch manager and she said a few words basically denying me.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

So to start off the mortgage is in my mother 's name Wich she passed away in XXXX and they know this I had trouble in XXXX with my the mortgage and they helped me no problem then in XXXX I had problems again we'll this time they didn't help as easy as the first time they wanted us to submit a bunch of paper work Wich we complied with and then they would talk to us now that I have lost my job and got behind again now the paper work we did last time isn't good enough they want other stuff that can't happen right away and they waited months to tell me this they didn't tell me this back in XX/XX/XXXX when I sent the first set of mortgage assistance paper work in they just ignored everything and never told me if it was accepted or not so finally I reached out to other places that could help me and they have called twice and chase won't even talk to them so now the place won't help me because of that so I ended up sending another set of mortgage assistance paper work in on XX/XX/XXXX and that when they finally tell me that they need other paper work that impossible for me to get right away and they know it so they finally talk to me after they send out forclouser notice so what they are doing is they know there's alot of equity in the house now and they played games so they could steel it from me and make more money off of it and the probally don't even own the mortgage on the place they probally have it somewhere else but will buy it back for cheap when they steal it from me
Consumer complaint received 2023-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/23 after logging on to my online banking i discovered my checking account with my son was compromised. There were several fraudulent activity. Two atm withdrawals totalling {$1000.00} and two debit card purchases for {$1100.00} and {$2200.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I contacted chase via phone immediately at XXXX where after several transfers i spoke with a rep in their fraud claim department. The claims were filed. The compromised account was restricted and a new account opened. However, rather than keeping the new account totally separate from compromised account, Chase actually transferred all the compromised account information and activity to new account. Why? What was the purpose of opening a new account? 10 days later, today, i found out chase denied my fraud claim. Stating because transactions were done via pin it had to be me or my son! What proof or information can they provide to support their assumptions? Now the supposedly new account has a negative balance of over {$3000.00} which can not be paid by us because A. This was fraudulent activity and B. We just dont have the money. I am in desperate need of assistance to get this matter resolved swiftly and correctly. Chase has handled this claim very poorly. I am a victim who is being victimized further by chase.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX   credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be removed.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

Sure! Here 's a draft complaint that you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding your issue with Cash App and the possible violation of Regulation E : Subject : Formal Complaint Regarding Violation of Regulation E by Cash App Date : [ Insert Date ] To : Consumer Financial Protection Bureau ( CFPB ) From : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Complaint Against : Cash App XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Holder Information : [ Your Full Name ] Cash App Account ID : [ Your Cash App ID or Email Associated with Account ] Nature of the Complaint : I am writing to file a formal complaint against Cash App regarding a pending transaction in the amount of {$75.00} that has not been resolved, despite the merchant releasing the hold on the funds. The transaction has remained pending for an extended period, and Cash App has failed to release the funds back to me. 

This delay and lack of action by Cash App is in direct violation of Regulation E under the Electronic Fund Transfer Act ( EFTA ), which governs electronic funds transfers and mandates that financial institutions must promptly resolve issues involving pending or disputed transactions. Cash App has not provided a valid explanation for the delay nor adhered to the regulatory timeframe for handling this type of transaction. 

The relevant details of the transaction are as follows : Transaction Amount : {$75.00} Merchant : XXXX XXXX Transaction Date : XX/XX/year> Transaction Status : Pending ( Merchant has confirmed release of hold ) Cash App Response : Inadequate ; no resolution provided. 
Despite multiple attempts to contact Cash Apps customer service, I have not received a satisfactory response regarding when the funds will be released back to me, or why the transaction remains pending. This prolonged delay is causing undue inconvenience, and I am concerned that Cash App 's actions ( or lack thereof ) are non-compliant with the consumer protection laws outlined in Regulation E.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

XXXX USD sent through Wise app money transfer on XX/XX/XXXX, they said the transfer was completed next day ( XX/XX/XXXX ), but the recipient company in XXXX never received any money. I exchanged several emails and online chats with Wise, they even asked a full bank statement disclosure from the recipient company as proof, which was provided, and still they refuse until this moment to inform where the money is and to acknowledge what happened.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I am seriously about to result to legal action against the DRS ( Debt Recovery Solutions ) they have continued to damage my credit. I was never notified that they would be placing a negative collection item on my XXXX  report dropping my excellent score by almost 90 points. This is not something that I will take without a fight because now they have resulted to trying to damage my good credit without notifying me. Please investigate and have DRS to remove this negative medical collection item from my credit report or I will seek legal action. Im going to use the power of social media to share my story because thousands of people are being harmed by their sneaky, conniving and unlawful debt collection practices. I will not move forward with legal action or social media sharing they immediately remove this negative item {$200.00} medical collection from my XXXX credit report.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally file a complaint against Chase Bank regarding their failure to properly investigate and handle a chargeback dispute related to a reservation at the XXXX XXXX XXXX on XX/XX/2024. 

Background of the Dispute : I had a guaranteed reservation for a Superior Suite at the XXXX XXXX XXXX. Upon my arrival, the hotel failed to provide a Superior Suite and instead downgraded me to a room without air conditioning in the middle of summer, rendering it uninhabitable. Despite this failure to provide the services and accommodations as purchased and guaranteed, the hotel charged me the full premium price.

The hotel refused to issue a refund, citing that they did not provide habitable services or accommodations that were in any way similar to what was guaranteed. Consequently, I filed a chargeback with Chase under Visa Dispute Resolution 13.3 for " Services Not As Described or Defective. '' Chase 's Handling of the Dispute : Unfortunately, Chase failed to properly dispute the charge with the merchant within the allowed timeframe. I have a screenshot from my Chase.com portal that confirms there was no acknowledgment of my dispute from Chase.

In support of my dispute, I provided Chase with : * A copy of the original reservation.

* A description of the guaranteed accommodations that were not received.

* Copies of communication between the hotel and myself, demonstrating that the accommodations were not as described. 
* A link to the full XXXX XXXX XXXX XXXX, which states that if a reservation is not honored for any reason, the hotel is obligated to not only cover my stay for that evening but also provide compensation. 

Chases Failures : Chase has failed to : * Properly file this dispute with the merchant in accordance with the dispute resolution guide. 
* Acknowledge my dispute within the allowed timeframe. 
* Provide any evidence supporting their belief that the charge is valid. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Chase Bank fulfills its obligations regarding chargeback disputes effectively and fairly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Under FOIA I respectfully demand Wells Fargo produce FHA loan modification denial letter. I am in contact with FHA. It was more monetarily beneficial for Wells Fargo to approve a short sale instead of what I and my family was entitled. The U.S. Government gave Wells Fargo bail out HAMP money to keep homeowners in their home. Instead Wells Fargo used HAMP money to enriched itself, its shareholders and Wells Fargo 's employees who worked against Wells clients in order to get compensatory bonus for each loan modification it denied and for every short sale it approved. I have always insisted upon LOAN MODIFICATION since 2012. Under FOIA - produce FHA denial letter. According to truth challenged XXXX XXXX, " Wells Fargo will have a mediation - so you need to wait until Wells Fargo contact you. '' Hence, I do not want any further phone communication on a recorded line from any Wells Fargo employee because they speak alternative truth.