davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2022, I used the Shop with Points on my Chase account to purchase a XXXX Combo Touch Keyboard Case with Trackpad for XXXX ( XXXX generation ). I received the shipment, and they sent one for XXXX  and XXXX  generation. This is the wrong product, not the one I used XXXX points to purchase. I immediately got in touch when it arrived to ask how to rectify this mistake, and entered a long miserable spiral where I emailed and called and spent hours trying to find out who would either return and replace with the correct item I'd ordered, or simply return and refund my points. I have a long chain of emails back and forth with Chase documented, including spending hours on the phone with the Chase XXXX returns service center that Chase customer service directed me to. I'm incredibly frustrated having this expensive device I can not use due to the company 's screwup, and being told by customer service on the phone that this was a 'nightmare situation ' they couldn't seem to fix for me. I'm stuck, and unsure where else to turn. 
Please note that in all the Chase replies they give varying answers about who to turn to for help, and what to expect. I've been sent in circles with zero help. I am attaching the screenshots of my communications with Chase and XXXX about this issue.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 YOU KNOWINGLY BROKE THE LAW AND YOU KEEP DOING IT! 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Our home was severely damaged on XX/XX/XXXX by arson fire. My home insurance carrier made initial payment to us through my mortgagee Bank of America ( BofA ). BofA told us that they will do an incremental release of that fund based on percentage of repair completed by the construction company of whom we hired to do the home restoration. 

BofA has contracted a home inspection company XXXX XXXX XXXX to conduct periodic inspection, and send a report in, and BofA based on that home inspection reports percentage of completion to release funding to me so I can pay the contractor XXXX XXXX XXXX. All that time I had no idea which home Inspection Company conducted the inspection, nor any of those reports ever send to me for review. Sixteen months had gone by and our home no where near completion. 

I asked BofA to send me all home inspection reports they had received. I ran into resistance from BofAs processor who handles my claims. She finally sent me 2 reports, first one was done on XX/XX/XXXX, and second one done on XX/XX/XXXX. Both reports stated a 60 % completion, from what had been done, my wife and disagree with that 60 % assessment. I asked the BofA processor if the home inspector had taken photos for me to look at. I ran into resistance from this BofA processor again commenting that she only sent the written report, not the photos. I told her that I have the right to view those photos of my own home. Took multiple phone calls and she finally sent them. When we view those photos, my wife and I were gasped, the written report no where matched up with what was shown in the photos. 

I then contacted BofAs processor insisted on the bank to schedule another inspection. For this inspection conducted on XX/XX/XXXX, and the only inspection I met with the home inspector ( previously was scheduled and let in by XXXX XXXX XXXX ) walked him through and explained to him what had been done and what were pre-existed work. At the conclusion of this inspection I asked the inspector for a signed copy of that report for my own record. The inspector indicated that only 40 % of that restoration was completed by XXXX XXXX XXXX. I asked this inspector why didnt I get this report instead of a nicely typed report from BofAs contracted inspection company XXXX XXXX XXXX XXXX He told me sending in his handwritten home inspection report to BofAs contracting company is how he received pay. He also told me that once his report left his hands, he has no control over if any alteration is done to his content. 

I then call BofAs processor on XX/XX/XXXX to send me the XX/XX/XXXX, home inspection report the moment she received it from XXXX XXXX XXXX. The report came in, as expected falsified information on the percentage of completion as 60 % instead of the 40 % from the original handwritten report. Attached are the XXXX home inspection reported submitted by BofAs contracting home inspection company, XXXX XXXX and the corresponding photos.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw these accounts from my personal file ; ( AMERICAN EXPRESS XXXX Balance {$0.00} ) ( AMERICAN EXPRESS XXXX Balance {$1600.00} ).
Consumer complaint received 2020-11-02
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: DISCOVER BANK (FL)

XXXX XXXX XXXX, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to XXXX and DISCOVER CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NV)

Please check the complaint with id XXXX and XXXX first then check this. 

The company responded to the first complaint with their Check Fund Availability policy. In the second complaint I mentioned that I lost my money due to the lack of knowledge of this. Why lack of knowledge? Because this is the first time I see this policy! I gave the check to the employee in the branch, she said nothing regarding it. Also, when I opened my account no one mentioned anything regarding this policy and it's not written in the documents the bank gave me/made me sign. 

Furthermore, when I deposited the check, they sent an alert saying that they will further check the check funds for one more day and I waited for that day. The next day the funds where there with NO SINGLE ALERT! This is why I dealt with the money like it's fully deposited to my account. After I used the money and sent it by XXXX to a third scamming party, the bank retook the money of the check! 

I hope the company will update their policies and stop replying to my complaints without even reading it. For now, I need my money back. 

Best
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I responded to a text message from Santander bank. Stating that their was fraudulent activity on my debit card and I stupidly gave my debit card my number my social security number and date of birth. I froze three credit beaureas. I put a hold on my debit card and ordered a new card. I locked my card first then ordered a new one then froze my credit.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Refer to complaint XXXX this is not resolved. Do the math. Get all payments from XXXX before loan was transferred to you, and yours, add it up, and figure it out. My escrow is still way too high. Reduce my payment and give me a refund on the escrow overage.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have made several complaints with your company and I received your last correspondence yesterday from your company stating that your company was accurately reporting the information to the consumer reporting agencies. In addition, in my last complaint to your company, you stated " A review of our records indicates that the account information we are furnishing to the three major credit reporting agencies remains accurate. '' Therefore your company is in dishonor as you can see in my attachments that your company is inaccurately reporting to all 3 consumer reporting agencies. This alone should have this " alleged debt '' removed from my account as this is in violation of 15 USC 1681i.
Consumer complaint received 2022-07-03
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. (MO)

In accordance with the fair credit reporting act, Department of Education has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 Sec. 604 A, Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-03
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. (FL)

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX  account number XXXX has violated my rights. 

15U.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.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Hello CFPB, I am writing to you in response to the closing my case against XXXX XXXX XXXX dated XX/XX/XXXX. This case is regarding to XXXX being closed. This case is NOT over and should not be closed. This case should not be closed because I do not owe XXXX, XXXX {$650.00} or any money. In fact, XXXX XXXX XXXX XXXX owes me {$15.00}. XXXX, XXXX keeps harassing me, has locked my access to my XXXX account, and continues to state that I owe them {$650.00} and I do not. 

On XX/XX/XXXX, a XXXX, XXXX representativeXXXX  ( XXXX ), emailed me and insinuated that the {$650.00} deposit may have been sent on the back end to American Express the Corporation, and not directly to me or my account ; and that is why the {$650.00} XXXX XXXX XXXX XXXX states they gave me does not show on my American Express account. Please see the attached email from XXXX, where he stated I would encourage you to speak with American Express, as they received both credits/refunds. Because of this I wrote back to XXXX, XXXX that same day informing them, that since I was not given a {$650.00} credit from XXXX XXXX XXXX XXXX, and that American Express the Corporation most likely received the {$650.00} deposit on the back end that XXXX, XXXX, should go after American Express the Corporation, and stop harassing me. 

Continuing with this case, on XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX messaged me through the Better Business Bureau, and gave me a tracing number which he said American Express can use to trace the {$650.00} deposit XXXX XXXX XXXX XXXX supposedly sent to me. XXXX stated You can provide this trace number XXXX to your card issuer and they should be able to find the refund. Please see the XXXX XXXX XXXX response from XXXX XXXX attached. With this information, I called American Express on XX/XX/XXXX and tried to provide them with the tracing number XXXX XXXX gave me. However, an American Express representative, XXXXinformed me that XXXX XXXX XXXX must call the AMEX Merchant Services Line, at XXXX XXXX XXXX to XXXX, and give AMEX the tracing number, and that I can not call or talk the AMEX merchant services line on XXXX, XXXX behalf XXXX My hands are tied at this point. There is nothing I can do. The XXXX even closed this case. It is unresolved. XXXX XXXX XXXX is accusing American Express Inc. of having the {$650.00}, and that AMEX owes them {$650.00}, but me as an AMEX customer am being penalized for it. Please assist me with resolving this issue with XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me, stating that I owe them {$650.00} when I never received monies or credit. Please help. 

Please Do Not Close This Case. 

Respectfully, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have called in several times, explaining that I have been targeted with fraud activity on my credit report. I got email alerts that my social security number has been found on the dark web, and I've had to shut down one of my credit cards several times because of unknown charges. I called transunion several times explaining to them that the inquiries were not authorized. I was under the understanding that if there's incorrect reporting of any kind on a persons credit report and unauthorized findings, they must investigate and remove. Investigating does not mean calling in to a company and getting a yes to their questions. A thorough investigation would require where the inquiry was made ( city, state, etc. ) whether or not I was contacted to verify that that was me, etc. I asked them to delete the inquiries, and they refuse because they say that it was me, even though I have been going through fraud issues and I've sent numerous letters, which they have ignored. 

The inquiries that are fraud are elan financial XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX. I want these deleted immediately.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
XXXXXXXX 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 XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (IN)

Name : XXXX XXXX XXXX : XX/XX/1966 Last 4 : XXXX Experian, XXXX and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like Experian, XXXX, XXXX to remove the account, because they were not able to validate the debt under FDCPA.
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.