davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (LA)

In XXXX, my landlord requested we set up an account with XXXX and XXXX XXXX and begin covering our own water bill. I did so, and was sent a bill for a {$100.00} deposit. I wrote a check on XX/XX/XXXX, dropped it in a XXXX XXXX on XXXX XXXX, and went back to my life. 

A month later, I noticed my checking account appeared low. I noticed an unusual withdrawal of {$900.00} from my checking account. Clicking on the transaction, I could view an image of a check I'd written on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX' for {$100.00} that had been washed and rewritten to " XXXX XXXX '' for {$900.00}. The check had been deposited on XXXX, one day after I attempted to mail it. 

On XX/XX/XXXX, I went to Chase Bank and filed a Declaration of Unauthorized Endorsement or Altered Item. Chase was very helpful from the start, saying they could clearly see this check had been washed. I submitted the forms and Chase credited my account for the {$900.00}. They explained this was a credit and the depositing bank is responsible for repayment. The depositing bank, they told me, was XXXX. 

XXXX  responded to Chase saying that they set up a claim and were investigating. Now, a month later, Chase has sent me a follow up on my case saying " if we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered. '' XXXX  accepted a clearly fraudulent check and is now unresponsive. I am at risk of losing the {$900.00} credit from Chase, as they will not protect me as a client.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have never applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Consumer complaint received 2019-09-09
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)

XXXX  and Experian are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Securus J Holdings, LLC (NM)

Jpay was what I was forced to use everytime I went to XXXX  XXXX XXXX detention center since XXXX to present and it has been about 5 or 6 times. 

The company is always forcing g fees on me and stealing my money. They won't give me a y information on transactions etc. 

They force me to only go through them and then I'm at there mercy when I make purchases or when I get out they force all the money ey I have on there card. 

They have not been willing to give me my information on transaction history.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (MI)

The house I own needed a roof. The roofing company used a financing company called Foundation Financial. My sister lives in my house and she was unable to qualify for the loan on her own so I co-signed for her. I reviewed all of the paperwork and signed. She has been making all of the payments but after several months of making the payments, the loan has not gone down at all. I asked her what the interest rate was. She could not find it on the bill. So I looked at the original paperwork to see if the interest rate was disclosed- it was not included in the original paperwork. I signed into our account online and looked at everything online. There was nothing about the interest rate. All of the statements did not disclose the interest rate. The original paperwork was not available on the online account. There is a XXXX filing against my house for this loan but there is nothing specific about the loan either. My sister called the company and asked why the loan balance was not going down. They indicated that is was being applied to the interest which is charged daily. She asked what the interest was. They said it is 9.9 %. She asked if it is 9.9 % daily and they said no you have to take 9.9 and divide it by 365. That is all the information that is provided. We have no way of knowing what portion is paid/ has been paid to interest vs principal. This feels deceptive and not what we agreed to.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

Theres a fraud alert on my XXXX XXXX, Experian and XXXX credit report. Banks, credit unions, financial institutions and companies can not verify my identity through XXXX XXXX, Experian or XXXX because of the fraud alert on my XXXX XXXX, Experian and XXXX credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-28
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. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I sent, by certified mail, dispute documents which included a letter of explanation and supporting documents disputing Experian 's reported late payment on my XX/XX/XXXX mortgage payment. I called in my payment ( always by phone ) to XXXX and was given a confirmation number. They tried to debit my XXXX account instead of my XXXX XXXX account which is what I always use. When the check didn't go through, I called XXXX and told them what they did and that the two accounts ended in similar numbers and I needed them to make the correction and not show me s " late. '' The XXXX rep assured me that I would not be recorded as " late. '' Then I got a letter from XXXX stating that my credit would show as " late. '' I was not provided with the record of my conversations with XXXX and the assurance that I was not late although they record the conversations.
Consumer complaint received 2023-06-28
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. (KS)

XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX  was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXXXXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX  XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I have an XXXX credit card. Months ago I was advised that I was being charged from a gym every month and I tried to stop my account with them but they keep charging me. I disputed the charges and XXXX said charges are legit and the only way to stop the gym from using my card is to replace my card with a new card number, which I did. This month I was charged again. I advised XXXX credit card about that and asked them how can a company still use my credit card to charge me when they dont have the new card number. They couldnt explain how and said via text message that somehow the gym got my new card number, which only I know and I have absolutely not provided to them as thats the whole reason why I changed my card number, per XXXX credit card advise. At this point they are telling me they can not help me and refuse to refund the money and to block any further unauthorized companies to charge my credit card, or to explain how it is possible for a company to charge my card without anyone providing them with my account card number. XXXX is at fault here for not protecting my account and my personal information and also refusing to refund the charges.
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (GA)

My husband and I completed a loss mitigation request with Flagstar Bank on XX/XX/XXXX, and we were approved for a deferral, which was our preference due to our issue being temporary and our not wanting any mitigation to negatively affect our credit. On XX/XX/XXXX, my husband and I signed and uploaded the USDA Pandemic Mortgage Recovery Advance agreement to the Flagstar Bank website, as directed. On XX/XX/XXXX, I received verbal confirmation from a Flagstar Bank loss mitigation representative that the document was received and no further action was necessary. We planned to make our first required monthly payment, per the agreement, on XX/XX/XXXX. However, on XX/XX/XXXX, we received a letter from Flagstar Bank stating our loss mitigation file had been closed because Flagstar Bank " did not receive the fully executed modification documents and/or the monthly payment ( s ) '' necessary to complete the modification. After over a month of time-wasting, frustrating, unproductive communication with the Flagstar Bank Loss Mitigation Department , someone finally corrected the error, marked our loss mitigation status complete, and updated all account information to appear current. Since then, our payments have been on time and paid in full. Unfortunately, our credit reports still indicate we missed payments in XXXX, XXXX, and XX/XX/XXXX, which is not accurate and not in accordance with our signed agreement with Flagstar Bank. We are contacting CFPB for assistance in resolving this final issue, as Flagstar Bank has proved to be poorly managed and lacking appropriate oversight or accountability for their actions which are harmful to consumers, and I do not trust them to resolve this matter in a timely manner.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Many times over the past few years I have written on the paper bill sent in with my check that Bank of America must cease including the ENTIRE credit card number on each page of the invoice. No response to any of those. 
Today, XXXX I called and lodged a complaint with Bank of America on this issue. The service rep totally agreed, even saying that B of A is the ONLY bank that does this. He said that he can't make the change to protect my account from Fraud, but that he can file the formal complaint. 

Bank of America is negligent is protecting my and all other accounts that receive a paper invoice, from fraud.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2023 Wells Fargo Bank Re : Complaint for not returning wire as recalled name not matching account Your Account Holder : XXXX XXXX - Attention Wire Dept : My name is XXXX XXXX XXXX, your customer and account holder. On XX/XX/XXXX nd XXXX, a wire transfer was sent out from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank which represent the proceeds of my sale where escrow was closed at XXXX XXXX XXXX in XXXX, Arizona. I am the rightful owner of this money per the attached closing statement. I am requesting that you immediately pull my funds from the wrong account and return the money by wire to XXXXXXXX XXXX XXXX XXXX. I am requesting that you honor the recall request from XXXXXXXX XXXX XXXX XXXX immediately. I relieve you of any liability for pulling money funds out of wrong account. This is my money and it seems like you are trying to give my money away. I expect a response as soon as possible. The wire was sent to my name ( XXXX XXXX XXXX ) with the wrong account to Wells Fargo Bank and your bank should have rejected the wire because name and account didnt match. Your bank wrongfully did not reject the wire. On XX/XX/XXXX th a reversal of the wire was sent from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank to return the money however your wire department has not responded. Today is XX/XX/2023 and so far, you have not returned the wire. Due to this happening, I am Living in a tent and I have serious XXXX XXXX and this situation is worsening my health. I am not doing well at all. I should have had the money by now. I am further attaching information of the wire and recall notice from XXXXXXXX XXXX XXXX XXXX. 

I expect you to honor my request and return the wire to XXXXXXXX XXXX XXXX XXXX as recalled so that they may re-send the wire to my correct account number at Wells Fargo Bank. 

I am your customer for many years and I expect that you treat me as a good customer that you want to keep. I will not allow you to give the proceeds of my sale to another person. This will not be tolerated. I expect a response from you as soon as possible.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent letters to all credit bureaus and creditors in may in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is XXXX XXXX XXXX and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

Dear Chase XXXX, the account ending in XXXX is not mine, it was fraudulently opened on my behalf. I did not apply for a Chase XXXX XXXX credit card at any time this year. Please do an investigation and remove any balance that occurred on this account. Under certain laws, I am not entitled and/or responsible to pay the debt that occurred on this account ending in XXXX to Chase XXXX which XXXX not mine. Again I did not authorize or verify that this account is mine. Remove the debt that occurred on this already closed account because it is not mine and I do not owe any debt to Chase, for the sole reason that this account is not mine in the first place. It is identity theft. As I am aware, this account is already closed but there is still a balance.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (WA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.