davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I made a call in a XXXX search seeking for chase customer service representative number in request for a new debit card. I assumed that I called chase bank and I was told to wait 6-7 business days for a new debit new card. I waited 10 days later, and I still did not received the new card in the mail. Later on, then I called chase bank customer service representative again on XX/XX/2022. An agent told me that if I want a new card right away, I would pay a fee of {$5.00} for express mail and I agreed to it. Suddenly, the very same day, transactions of - {$9000.00} and- {$2000.00} were made with card purchase with pin ending card of XXXX and without my authorization nor any knowledge. The description of these transactions were made in Usps XXXX XXXX XXXX XXXX XXXX XXXX, NY. On XX/XX/2022 a transaction of - {$670.00} of XXXX XXXX XXXX XXXX, NY were made of a purchase with pin ending card XXXX. Then also, a transaction of - {$79.00} of XXXX XXXX XXXX CA, card ending of XXXX. I had never known of a XXXX brand nor ever did taken an XXXX ride while on XXXX XXXX NY on XX/XX/2022. I then went to a chase branch bank and was told to cancel those debit cards. I was also told to close the account and opened a new account with a brand new debit card. I was recommended by the branch to make a police report. I went to XXXX precinct in XXXX XXXX, NY and was given a detective. The detective was doing his own investigation and I was given some information. He told me that he did went to the place in Usps post office and stated that it was made a purchase of money order checks. The money order checks were created there and I had no knowledge at all. The detective told me that someone has made or sign of my name on those money order checks. I never have done a money order check in my life and nor did i never had no other purpose of it. The detective was trying to explain to me that my name was on those money order checks and has copies of it. He currently does not know who did it yet and is only awaiting for them to be cashed. I was also informed by the detective that it was an old building and that the cameras do not work. This is what I was told by the detective and those were his opinions at this point of the matter.I have spoken with a legal aid attorney and was told to look into my call history and find who I have called on XX/XX/2022. I did have called in a chase customer service representative number 4 times and I also did called in a possible scam on that day. I already requested a police report document and then demanded to have my funds back rightfully from chase bank. Chase bank has been denying my funds back ever since unfortunately.
Consumer complaint received 2023-08-21
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I was a customer of Bank of America since XXXX and I was gold preferred member of the company. 
In XXXX XXXX the bank close my account without any notification, I was in XXXX with some friends and I couldn't pay my bill at the restaurant because that one the only account that I had. 
Also in XXXX I opened a company for student transportation and because at the moment I didn't had a business bank account ( it was taken a while ) the students started to send me money through XXXX, I have all the receipts for them. 
They blocked my account in XXXX XXXX and they finally close my account on XXXX XXXX and they reported me to XXXX XXXX XXXX. 
I requested the XXXX XXXX XXXX, the consumer report and didn't show any fraudulent transaction but they close my account under suspicious activity. All that is showed there are the direct deposit from my employers
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have attached a statement of a full description in regards to the fines you levied against Wells Fargo for illegally charging Bank customers for overdraft fees from XXXX XXXX XXXX Bank customers. But also showing in XXXX  that they are still doing the same thing by stating the same reason they did before you caught them apparently thinking they got away with it once and still made money, why not again. They are habitual abusers based on their history and charges you fine them for. 

Please see attached documents where we give the history and details, ( we tried to stay brief, knowing you have to read a XXXX  of these a day and must be XXXX XXXX by the end of the day so know we understand that and did not try to say anymore than we had to so you didn't have to read a novel but just the related facts. Thank you.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX paid {$78000.00} for flood claim from XX/XX/2023. The Check was cashed by XXXX XXXX mortage company. on XX/XX/XXXX my mortgage was sold to NewRez. NewRez notified me they do not have the funds. I called XXXX and they sent me copy of cashed check. Check was cashed by XXXX XXXX. I got rep from XXXX XXXX on a XXXX way recorded line with rep of New Rez and then miraculously the money was there. NewRez received the funds XX/XX/2023 XXXX said he would have a check overnighted on Friday XX/XX/XXXX. Called XXXX  just to make sure and XXXX confirmed. No check arrived. Called NewRez XXXX morning and they said they don't have the funds. I have made a call many times each call over an hour long. They won't let you talk to a manager nor give you a number to their corporate office which they keep referring to. My last call today was almost a full XXXX hours and the same lies back and forth. we are old and sick and just want to repair our house and get home.
Consumer complaint received 2023-08-21
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. (SC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number XXXX Consumer DOB : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of Addresses : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX This fraudulent, inaccurate, and false information consist of accounts XXXX XXXX Account # XXXXXXXX XXXX XXXX, with a balance of {$1600.00} ; XXXX, Account # XXXX, with a balance of {$2500.00} This fraudulent, inaccurate, and false information consist of hard inquiries : XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> These accounts have resulted in several hard inquiries, fraudulent collections, and Non deliverable addresses appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, hard inquiries, and addresses as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed are a picture ID, a bill, and a letter from XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bright Capital Inc (CA)

When I opened a XXXX XXXX account I was told I would be eligible to get cash advances after signing up and exposing all of my information I was advised I was not eligible. After 60 days I checked my XXXX XXXX XXXX XXXX checking account and found it to be overdrawn {$160.00}. I called the bank and was advised that XXXX XXXX  had attempted numerous debits for several days in various amounts. The representative offered to waive a few of the fees, but did not offer a stop payment or any other solution. I was told to contact the company that was making the debits as they would continue to do so until they were asked to stop. These debits resulted in {$320.00} in overdraft fees. That the bank has not waived I have attempted to reach out to XXXX XXXX in order to resolve this numerous methods the 800 number which does not work and through email which I have received numerous standard response emails and have tried to submit complaints through the app with no response.
Consumer complaint received 2023-08-21
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)

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (KS)

I received a letter from Blitt & Gaines PC about a debt in early XX/XX/. It was a debt validation letter. I chose to respond requesting more information. On XX/XX/XXXX  I was notified that someone was trying to serve me court documents at my home. I contacted Blitt & Gaines immediately. After speaking with one of their agents I learned that there was some issue with a bank ( not sure what ) that has prevented them from responding to my request. I am confused as to why I am being sued when Blitt & Gaines PC has yet to fulfill my request. It's been more than 2 months.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

In XX/XX/2023 I have Mailed Equifax, XXXX and XXXX XXXX a request requesting deletion and update as to my Current Mailing Address Equifax, XXXX and XXXX XXXX is reporting incorrect Addresses on my consumer disclosure report ( s ) as a result of fraudulent creditcards or other services using my personal information. 

I have complied with the requirements from the bureau 's to confirm my identity and provided them with a legible copy of my State Issued Identification Card, Social Security XXXX  and Proof of Current Mailing Address along with the details of my dispute under the FCRA. 

The Bureaus continues to report erroneous unverified or fraudulent addresses and accounts.
Consumer complaint received 2023-08-21
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX AXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXS DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

on XX/XX/23 I attempted to Venmo my daughter {$500.00}. Instead it went to another contact on my list. I notified Venmo within 10 minutes of my mistake and they refused to stop the transaction. It remained in pending at my bank over 24 hours and they could have reversed the transaction. I have contacted them several times and get the same response. They tell me to deal with it directly with the person that I mistakenly sent money to and request the money back but they have frozen the account it went into so this can not be done. I asked that they transfer the money to my daughters account and they refused that also. I'm at a lose as to how to fix this problem. Venmo has the worse customer service I have ever been involved with. I asked for a supervisor and got the same answer and I think on one occasion I got the person I had been speaking with after a 45 minute hold.