davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XXXX hacked into my XXXX 's account and wire {$20000.00} to XXXX party account. 
When I received alert text message at on XX/XX/year>, that there is {$20000.00} wire from my bank account. within XXXX minutes, I immediately went to Chase to tell them to stop the wiring while it's still pending. The Chase 's staff at the branch location and online staff were not able to stop the transfer.

Chase sends me a letter to state that it all my fault since I did not protect my password. They will not reimburse me the {$20000.00}. I believe Chase shall find the best way to protect my Chase account.

I want your help to ask Chase to pay me back {$20000.00}.

Chase bank was mistaken close my personal account as the compromised account, they shall close the compromised account of XXXX XXXX. I have set up all my automatic payment with services providers, they were not able to collect the payments, I was report for unpaid bills cause my credit report drop from XXXX score to XXXX score. Causing my credit problems so bad. This is a neglected problems with Chase staff. 

Thanks for your help in advance
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code XXXX, creditors must send periodic statements at least XXXX  days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code XXXX mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account XXXX-Day Late Payment : Incorrectly reported as XXXX days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/year> and XX/XX/year>. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within XXXX days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co (GA)

ACCOUNT # : XXXX ***THIS ACCOUNT WAS ESTABLISHED WITH SAFCO THEN SENT TO XXXX XXXX WHO HANDLES THEIR BANKRUPTCY-COMPLAINTS HAVE BEEN EQUALLY MADE BETWEEN THE TWO COMPANIES**** I was told by Safco & XXXX XXXX XXXX that I needed to bring my account current to receive a two-month deferment. I paid the amount they stated to bring current in XXXX Then received a unprofessional, rude call from XXXX XXXX XXXX XXXX stating yeah, we got the payment but your past due. I then contacted Safco manager XXXX XXXX, and he stated to me. " Well, this is what we came up with. I have strong armed repeatedly on this acct, I have requested audits, I have sent in proof of payments with bank statements and NOT received credit-told I was however payments continue to increase not decrease, Now, this-we all understand how deferments work and yet they just keep taking my monies not honoring laws, GAAP or their own arrangements. I need help getting this account audited and payments posted correctly-the accounting records, payment history is insane-SAFCO sends ledger and payment history to XXXX XXXX  ( they handle SAFCO BANKRUTCY CASES-yet their records do not match-payments may show on and not the other and vice versa-upon years of trying to get resolve - I just receive rude responses, going over the payments BUT know updates or answers to the unposted payments, the request for acct. to be audited, answer to mismatched ledgers and etc. Now, the most absurd thing-this deferment-I had to pay CURRENT to receive the two-month deferment-I paid it in XXXX & in XXXX-they contact me and state I am 2 months behind and reflect this in the payment history-HELP ME! I have attached the liaison between Safco to Peritus-manager XXXX XXXX email correspondence about the deferment, yet they are harassing me, threatening rep and stating account is still delinquent. 
ACCOUNT # : XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OR)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! -DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (PA)

The U.S. Department of Education had approved my XXXX XXXX XXXX XXXX XXXX XXXX ) discharge application requesting discharge of my student loans effective XX/XX/year>. I was informed by email XX/XX/year> and by mail. The letter states that my holders, Department of EducationXXXX and Department of Education/MOHELA , were to transfer my loan service obligation to XXXX for discharge. XXXX assists the U.S. Department of Education in administering the XXXX discharge process and communicates on their behalf. 

On XX/XX/year>, I received an email from MOHELA saying that my payment was due soon. I disregarded the email. However, I did not get an email for payment from XXXX. I received 2 more emails from MOHELA on XX/XX/year>. One stating how many months past due I was and the other stating payment due soon. I logged into my account for MOHELA. It showed that I still have a balance. Out of curiosity, I logged into my XXXX account. It showed a zero balance. 

I called MOHELA to inform them of the discharge. I was told they had not been informed and that there was a " pause '' on all discharges. I was advised to continue making payments or put my account in forbearance. The representative confirmed that every missed/late payment is reported to the Credit Bureaus . I told the rep that I had received an email approving the discharge application for XXXX  a letter detailing the discharge that can be given to them, and that there was no mention of a hold MOHELA was referring to. The rep said notification of discharge has to come directly from the U.S. Department of Education. Therefore, contact the Department of Education for further assistance. 

I called the U.S. Department of Education and was connected to XXXX. I explained what had happened with MOHELA and asked for help resolving the issue. XXXX confirmed that my balance with both XXXX and MOHELA were zero. They instructed me to have MOHELA contact them at XXXX to confirm the discharge. XXXX also stated that MOHELA had been informed of the discharge on XX/XX/year> as well as XXXX. 

MOHELA will not contact them nor will they approve my documentation. XXXX said that there is nothing more they can do. Therefore, I am filing my complaint against MOHELA for not discharging my loans as instructed.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

For more than a decade, I've been trying to open a new checking or savings account after Wells Fargo closed my checking account with a negative balance. Then, they hired a local law firm to sue me for the amount and additional legal fees. They aggressively pursued me ro the point of harassment by securing a default judgement & sought garnishment of wages & non-existent monies from banks I didn't have any account with.

All of this was caused by my then employer paid me for bereavement benefits when I traveled friom Arizona to Michigan because my dad died. I deposited the check & after using the funds I was informed my then employer pkaced a Stop Payment. This was an ilkegal action and part of a much bigger legal matter that was ongoing at the time.

I filed employment discrimination and a subsequent additional claim of retaliation for the stop paid check from the bereavement benefits I was eligible for, approved for, and then denied as I sought a reasonable accommodation per the ADA. My employer refused to provide the accommodation, refused to pay me for 8 months, & then falsely terminated empkoyment causing considerable harm and loss of medical care for XXXXXXXX XXXX XXXX XXXX XXXX, & MORE. 

As a result of Wells Fargo 's legal pursuit & petty vengeful action, I've been denied every subsequent attempts to open any account as well as having difficulty cashing any check received including during the pandemic and utility refunds. I am charged higher fees to access or use funds or other ancillary services like prepaid debit cards & frequently can not order rides through ride sharing companies because their algorithm flags my accounts higher risks. I believe that Wells Fargo has blackballed me causing other financial institutions as well as other services that rely on data from files tied to Wells Fargo are colluding to impose a barrier to equally participate as a person with multiple medical conditions causing XXXX and servere to have been given a 6 months or less prognosis.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (AZ)

This account has been submitted with OLD POLICE REPORT, NEW POLICE REPORT, FTC REPORT, INCIDENT REPORT AND MORE. It was reported inaccurate and fraud multiple times now. My identity was stolen years ago and used for employment, credit, housing and more. I am requesting your assistance in removing the following fraudulent inquiries from my credit report. Account name - XXXX Account XXXX - XXXX My dispute has been denied several times so this is a a complete LIE stating no info has been submitted or on file. The exact same info was submitted to each company on my report under the fair credit act after i received notice of fraud. You have failed to investigate properly several times and now have failed again because you are responding with false information. First progress has been delivered info several times now from the dpfb and has responded several times now with incorrect information. It has all been documented and will be reported again to the ftc. This is illegal to continue pressing this account on my record when it has been reported as blatant FRAUD several times now. I have added FTC report original, FTC Report XXXX, XXXX response XXXX XXXX, Police report, police report # and incident report from the place of business in which my identity was used for XXXX years. 

My original report was dated back to XXXX when the fraud employment started. My Identification was stolen long before that clearly.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but Pro Collect is reporting this information. This is a violation of Pro Collect Inc. regulations, and 5USC 552 ( a ) ( b ). Provide me with the Pro Collect Inc. compliance disclosure on reporting transactions to a consumer reporting agency. Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Pro Collect Inc and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (NJ)

Westlake Financial repossessed my car on XX/XX/XXXX. When the police told me the car wasn't stolen it was repossessed I immediately call them to find out why. They claim I never paid them for 5 months. They say that XXXX XXXX XXXX XXXX and XX/XX/XXXX were never paid. But I did pay them, each of the 5 months. They told me I have to file a dispute with a recovery supervisor and send proof into them. So that's what I did. I emailed all my bank statements over to them showing each payment was made. But they seem to just be disregarding these payments. They're telling me I have pay them the entire remaining balance of the loan off if I want my car back, which is {$24000.00}. They had no right to come and repossess my car to begin with so how can do that and then demand I pay them the full amount of the loan or " say goodbye to my car '' because it will go to auction in 10 days. What they're doing is unethical and wrong.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

My XX/XX/scrub>XXXX XXXX American Express card payment was due on the XXXX and after returning from a weekend away at a family event I realized I forgot to schedule the payment. So I paid the bill in full on the XXXX. I have XXXX cards from the Amex company and use them for everything including groceries and pay in full every month thousands of dollars. My husband has a platinum card with them and we have personal online savings from American Express. When I asked if they would kindly remove the XXXX dollar fee since I made a mistake they said they reviewed the accounts and I am not eligible. Didn't explain why but as I said I am on time and pay in full every month for years. I called twice XXXX days in a row and the first time even asked for a manager. They treated me like I was delinquent. I told them I will be using other cards from now on. We have multiple accounts with them. Its not the XXXX dollars but the principle. I am a good customer with an excellent credit rating and this treatment is unwarranted.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/year>, I made an appliance purchase at Lowes with the Lowes credit card managed by Synchrony. I was offered 12 months to pay the balance without interest or fees and not much more explanation. I have made these purchases before from Lowes in the past with no issues. I made the following payments as documented through my XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$350.00} XXXX XXXX {$240.00} XXXX XXXX {$300.00} XXXX XXXX {$150.00} XX/XX/XXXX XXXX ( final payment ) I was never told that there were minimal monthly payments so I continued to pay with intention of getting it paid within XXXX months. 
On XXXX XXXX, I made online purchases from Lowes with the same card believing my balance was clear. I bought {$180.00} of supplies. When I received my bill due on XX/XX/XXXX, XXXX late fees of {$29.00} each were added from my first purchase regardless if it was paid off in full. I spoke with a representative on XX/XX/XXXX and a supervisor on XX/XX/XXXX. One fee was removed but I received different explanations about the remaining fee. It was confusing and not transparent. I was told that my bill pay didnt post before XXXX of the due date and that my bank bill pay with XXXX XXXX XXXXXXXX may not be dependable. I have never had any issues in years with this system. 
Theyre refuse to waive fees. They are not customer friendly.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Venmo was attached to my XXXX account. On XX/XX/year>, someone gained access to my XXXX account ( I am unable to access my account now ) and made some unauthorized purchases in the amount of {$810.00}. I received a notification on my phone from Venmo saying they had denied payment on a charge to XXXX, then I logged into my Venmo account and found unauthorized charges to XXXX that had been made within that hour. I immediately called Venmo and told them what had happened. I also immediately notified XXXX by phone. I also stopped payment to Venmo with my bank. I got an email from Venmo on XX/XX/year>, saying they didnt find the charges to be unauthorized and they want me to pay them the {$810.00} since I stopped payment. I didnt make these purchases and I told them immediately, so I feel like they could have stopped payment on their end and notified XXXX XXXX the transaction could be stopped. They had asked for some other information, but they didnt even give me a chance to provide it, as they just denied my claim.