davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Dear Sir/madam. My name is XXXX XXXX XXXX owner of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Was a victim of an email Fraud in which case the fund went to XXXX XXXX. I have been trying to get this money back since XX/XX/2022, XXXX XXXX XXXX XXXX is holding this fund. I have been communicating with these 2 gentlemen below. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Sr. Vice President Sr. Area Security Manager Ofce XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX. 
And also, in chase Bank from where these funds were transferred, Chase business Relationship Manager XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Spoke to XXXX online fraud claim specialized Chase bank XXXX XX/XX/2022 New call come from Chase Claims XXXX XXXX EXT XXXX CHASE CLAIMS # XXXX XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XX/XX/2022 XXXX XXXX : XXXX TAX ID : XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (VA)

Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest XXXX XXXX XXXX law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally credit corp solution sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from credit corp. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX a wire transfer was initiated between XXXX XXXX  XXXX XXXX to my trust account at Bank of America. This was the proceeds of a real estate transaction totaling {$610000.00} As of XXXX this money has not been deposited into my account. 

On XXXX I was able to contact B of A 's wire transfer department. I was told this money was on a compliance hold and B of A was waiting for a response from XXXX XXXX  to a series of questions. 

XXXX XXXX  says that B of A has not been in contact with them at all. 

I have attempted to contact B of A 's wire transfer department three other times ( and I am still attempting to do so ). 

As of today the only information I have been able to obtain is the funds are on a compliance hold. No information as to why or for how long has been provided.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # XXXX Current address # XXXX Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, XXXX  XXXX a. XXXX XXXX XXXX, XXXX, XXXX  XXXX was my previous address 3. My current employer is XXXX XXXX According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law.

Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX cell
Consumer complaint received 2022-09-29
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. (CA)

In accordance with the Fair Credit Reporting Act convergent 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Over the last two and half years Regions has continuously charged us overdraft fees even when we signed up for it to transfer money from Savings when an overdraft occurred. We discussed this problem time and time again with no resolution. We have slowly started moving funds to another bank. However, the little we still do have in regions continues to to have or charge us with hundreds of dollars in overdraft fees ( when they easily could withdraw from our savings to cover the amount ).
Consumer complaint received 2022-09-29
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. (CA)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the lawXXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (FL)

I was on checking and savings accounts with my Mother. She passed away on XX/XX/XXXX. I also had Power of Attorney for my Mom 's Estate. 

On XX/XX/XXXX, I sent a letter to the Bank explaining the situation and asking that the accounts be closed and the proceeds sent to me for distribution. I included copies of my Mom 's death certificate and Power of Attorney, along with identifying information for the accounts. A few days later I received a phone call from a " Life Events Specialist '' acknowledging receipt of the letter and inviting me to call her with any issues. After several weeks of hearing nothing, I called the specialist back at least three times, but never received a return call or email. 

On XX/XX/XXXX, I sent a second letter to the Life Events Department by Certified Mail, asking that they contact me about the status of closing the account. I also sent a number of emails, both to the generic email address for the Life Events Department and the specialist who originally called me, but again I received no communications. 

Frustrated, I simply transferred the savings account balance into the checking account, and wrote myself a check depleting the account. 

Now I am getting letting from the Bank charging me monthly fees and threatening that if I do not pay them, I may be subject to "... Overdraft Paid Fees, collection efforts, and we may report your account to consumer reporting agencies. This could impact your ability to obtain service at other financial institutions. '' It should not be this difficult to close a small savings accountant and checking account, and at every least, I desire the courtesy of a return communication to my multiple letters, emails and telephone calls. I would appreciate any assistance you can provide. 

Thank you.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXXXXXX have violated many laws. 
Section 605, Section 605A, Section 605B.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (VT)

I am working with XXXX ( XXXX XXXX XXXX XXXX ) which has approved me to cover all back mortgage payments and bring my account current. In order to do so, my mortgage company ( 21st Mortgage Corporation ) needs to respond to their request for information. This outreach has occurred via fax and email, multiple attempts over the past months ( since XX/XX/XXXX ). 

When I contact 21st Mortgage directly, they state that outreach has not occurred, and will not provide direct contact information for where future outreach can be sent. Additionally, I am working with Vermont Legal Aid, who is able to help facilitate if a name of an individual or attorney who is managing the account is provided, but again, the company will not disclose this information. 

This would allow me to bring the account current, however as 21st Mortgage is not responding to outreach to anyone other than myself, despite having the appropriate permissions in place, I am unable to access the support that I am entitled to.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b 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 2024-09-03
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (WI)

Website is broken for a few months on and off I have requested US Bank to fix it multiple times with no avail. 

US Bank footballs me however they do nothing to repair their site. 

I am unable to even log in and I need an access to my financials and I need to fulfill my financial obligations otherwise I am to pay the fees.
Consumer complaint received 2022-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MS)

For the last few weeks I have been trying to get an ECSI ENTITLEMENT DEFERMENT FORM APPROVED SINCE I AM XXXX XXXX XXXXXXXX XXXX STUDIES AT XXXX XXXX XXXX. XXXX STARTED ON XX/XX/2022 AND I WAS TOLD THE WHEN ASKING FOR A LOAN DEFERMENT BY ECSI chat rep that APU TXXXX XXXX XXXX XXXX will electronically notify each of your participating lenders within 10 business days of being updated. 

I would have to fill out a XXXX XXXX XXXX XXXX XXXX XXXX Request Form and have a school official sign it as well. I have filled out several of these forms and ECSI won't approve them with a new error each time. The first one was because I had a graduate or fellowship check. After that I got it signed by a school official to fill out their section. However, ECSI was not satisfied, instead error out error. The latest one suggests that the signature was fraudulent or they needed a wet signature from a school official mailed. What's really crazy is that they say you can upload the form but once you have downloaded the form already you can't upload it anymore. You get an error stating. Our records show that you have applied for this entitlement for your loan. Your entitlement application is currently being reviewed. Your entitlement application will be reviewed within 3 business days from receipt. You can check your account online for an updated status or contact a Customer Advocate at XXXX. 

Emails are ongoing and nothing is resolved because they refuse to accept the forms and want money. Violating rights when a student is full time has the right to defer student loans.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 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 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 US DEPT ED XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below ha violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : US DEPT OF ED/XXXX  # XXXX Account Name : USDOE/XXXX  # XXXX Account Name : XXXX XXXX  # XXXX ALL HAVE VIOLATED MY RIGHTS 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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 USC 1681s-2 ( A ) ( 1 ) ( A ) 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 2022-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from XXXX XXXX. 18 Years XXXX XXXX already collected as much as possible & added me to collection years ago for this loan. XXXX XXXX had the audacity to sell this account to a creditor that I had no clue existed, by the name of Cavalry SPV I , LLC. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is 18 years ago! This account was closed over 15/18 years ago. Its a dead account! XXXX XXXX says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after 4 years, little the less after 18years! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!
Consumer complaint received 2022-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Allied Servicing Corporation (CA)

Loan servicing company did not contact me, send mail or correspondence about second mortgage for about 10 years or more. 
Now they want to foreclose on my house. 
By law, the loan servicing MUST have contact with me via phone calls, letters or other medium.. 
This is a loan for {$50.00} XXXX dollars.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

Theres XXXX car dealerships I have issues with XXXX XXXX XXXX earlier this year in XXXX went there looking for a cash car they took XXXX dollars from me they took advantage me at the time because I was desperately looking for a suv they didnt tell me the car was as Is and the car broke down on me the next day I got it they also didnt tell me that they didnt have a 30 day return policy and they also is false advertising none of the vehicles are cash like they say American dealer sold me a car with a different vin number they was under investigation and took my car from me after I made all my payments they lied to the finance company west lakes financial saying I didnt want my car anymore and that was a lie so all my car payments when down the drain because they were doing fraudulent activity with the vin numbers on the cars and didnt want to get caught they made fake letters making it seem like the company was writing those letters and the company never wrote the letters I recently got a car in XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was making payments but my loan wasnt going down can you please pull my contracts from all XXXX companies please
Consumer complaint received 2022-09-04
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: Cascade Capital, LLC (AR)

CASCADE CAPITAL you are in violation of 15 USC 1692G due to not VALIDATING THE ALLEGED DEBT. 
CASCADE CAPITAL I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT