davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Equifax and XXXX credit file. 
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 2023-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022, I went to XXXX, WA branch of Chase bank to wire transfer money to XXXX. I wanted to send my sister XXXX XXXX yen, thus I asked bank agent is there any fee incur her to receive. He found out that XXXX XXXX yen would be charged, so I added XXXX. XXXX XXXX XXXX equaled {$430.00} at the day 's rate. I also paid {$50.00} transfer fee. At the end I paid Total {$480.00}. I let my sister know I sent her XXXX plus receiving fee of XXXX so she wouldn't have to pay any fee. 
However my sister only received only XXXX XXXX yen. She asked her XXXX XXXX the reason, Bank told her that they received only XXXX, the document showed XXXX was already taken as fee. XXXX XXXX said they charged fee of XXXX yen for my sister to receive. I also called the bank and talked directly several time. They explained money arrived Chase Japan and go through one other bank before come to their bank, however none of them charge fee. So XXXX has to be taken at Chase. I received copy of the documents from XXXX and emailed them to Chase agent. I went to Chase XXXX 4 times to discuss and called XXXX to dispute, but they do nothing, Chase had been insisting that the document indicate they sent XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P. (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at LVNV Funding LLC on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

I contacted MOHELA about my XX/XX/XXXX student loan payment because I noticed that while the full payment amount was correctly withdrawn from my account on XX/XX/XXXX, they misapplied the payment and only applied it to 3 of the 8 direct loans I have. The other 5 loans are showing a {$0.00} payment for XX/XX/XXXX. I contacted MOHELA about this in XXXX to have them resolve it. I also submitted a previous CFPB complaint on XX/XX/XXXX concerning the same issue ( Complaint ID : XXXX ). On XX/XX/XXXX, MOHELA responded to the complaint saying " As of this writing, MOHELA processed the reapplication of your payment to the account accordingly per your request. The payment received on XX/XX/XXXX, in the amount of {$270.00} has been applied to loan sequences 1 through 8 '' ( see attachment ). The complaint was then closed. However, as of XX/XX/XXXX, the reapplication of the payment still has not happened. They effectively lied to me. On the MOHELA website, it is still showing that the payment made on XX/XX/XXXX is incorrectly distributed ( only 3 of the 8 loans show having a payment while the other 5 show a {$0.00} payment ). Moreover, I contacted FSA to check with them and they still do not have any updated information about my payments. Five of the 8 loans still show a last payment date of XX/XX/XXXX. This is negatively affecting my PSLF payment counts and making it appear as I did not pay 5 of my 8 loans on time when I did, in fact, make an on-time payment on XX/XX/XXXX. I have made all of my payments on time and I am being unfairly treated and lied to in this situation.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA claim # XXXX Around XX/XX/year>, XXXX received text from BOA reference suspicious activity on her checking account and replied no reference to recognizing account and XXXX transactions . They advised a representative would call her and XXXX XXXX impostor ) from BOA fraud department called XXXX. 
XXXX received a text from XXXX & XXXX ( XXXX and XXXX ) phone carrier that her phone ( XXXX ) XXXX was being transferred to a XXXX account. XXXX did not answer text in time and her phone became inoperable and stuck in sos mode. Several fraudulent credit card, boa, XXXX, computer, cell phone XXXX XXXX was charged and once disputed the funds returned. XXXX received another call from XXXX ( XXXX ) asking if she sent a wire. She said no and that he has stopped the wire and frozen her account and directed her to the boa app. XXXX coerced XXXX into sending XXXX wire transfers on XX/XX/year> to get her funds returned. It was in the amounts of {$8900.00} and {$9700.00}. We have not sent wires before and XXXX was coerced into sending this transaction. She was tricked. We have printouts of the transaction. XXXX tried to get XXXX to go to BOA and pull out {$20000.00} cash and deposit into a virtual account so her money would be returned.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (NJ)

I was made aware this morning that XXXX accounts were open in my name through MOHELA. These accounts stated that loans were taken out in my name in XXXX, XXXX, XXXX, and XXXX, totaling to a charge of over $ XXXX. When I tried to contact MOHELA about these charges, I was notified that there was no account with my information on their records. I have never opened a loan through MOHELA, nor have I ever received money from MOHELA for my education.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CoreLogic, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear CoreLogic Dispute Department, I am writing to formally request verification of all accounts listed on my consumer report, in accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Federal law mandates that you verify, through the physical verification of the original signed consumer contract, any and all accounts that you report on a credit file. Without such verification, there is a risk that fraudulent accounts could be submitted via fax, mail, or email by unauthorized parties. 

I demand to see verifiable proof, specifically an original consumer contract bearing my signature, for each account reported under my name. Your failure to positively verify these accounts has adversely impacted my ability to obtain credit, and as stipulated by the FCRA, any unverified accounts must be promptly removed from my credit report. If you are unable to provide a copy of this verifiable proof for any account, you are required by law to delete the account from my report immediately. 

I demand that all accounts on my report be verified or removed without delay. 

Please provide me with the verification documents at your earliest convenience, or proceed with the removal of any unverified accounts from my credit file. 

Failure to comply with this request in a timely and adequate manner will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XXXX Phone : XXXX
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I am experiencing a lot of fraudulent activity on my USAA checking account. It all started back in XX/XX/year> after I received a {$17000.00} insurance check from USAA. Every week I would catch 5-100 transactions that were not authorized. Eventually someone had hacked my account and deposited a fake check of {$500.00} which cleared immediately. I caught the activity and notified the fraud department. Now my account is negative {$2800.00}!
Consumer complaint received 2023-08-11
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

I closed the account last year, and was thinking to reopen it yesterday, one of the agent was helping me to reinstate it successfully, however, after my reinstated chime account received a {$10.00} transfer from my another bank which I use to funding the chime account, chime suspended my reinstated account and ask me to send tones of documents to verify and explain why transfer money to chime, and ask for other bank and card transactions for last XXXXhree months, but I just reopened chime today, there is no transaction for last three months with chime, and some of the funding source I had last year already closed the account, I explained to them and called the customer support ask for a follow up, but no answer, I ask to close the account again and revert the money I transfer in, they say they cant close it because it is suspended, and they cant send money back because they dont allow to, I say What??? So chime swallow my money? Even though its just {$10.00}, I still wish can get my money back.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Contacted BOA on XX/XX/XXXX and asked manager if they could run a report from the ATM machine and asked to contact the phone number on the machine. Spoken with the Fraud department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX who said there was nothing that could be done and that my money was lost. The bank manager indicated there was nothing they could do and to file a complaint with my police department which was with XXXX XXXX. After a week, informed he was a civilian officer and that there was nothing that could be done. I am aware that every system has a tracking system and every ATM has a report that can be ran called electronic journal file which no one offered to have this report ran. It is now XXXX weeks later still getting the same answers and on XXXX filed a complaint on Bank of America asking why the a report could not be ran that would tell any transactions from that ATM on XX/XX/XXXX between XXXX that includes time, date and money deposited to that machine. I told them XXXX transactions were done, one for {$4600.00} and the other around {$6500.00}. Once a complaint was was filed on XXXX I received a call about XXXX hours later. I specifically indicated XXXX transactions. It took about XXXX calls to reach the assocate assigned to my case with each call going directly to voice mail. I sent an email to that team letting them know they were imposible to reach and then XX/XX/XXXX I finally got a call by from that associate. Please note I started asking for research on XX/XX/XXXX to look into this and got nowhere. Finally when speaking with the associate she said there was no trace of {$11000.00} found when the report done XXXX weeks later ( electronic journal file report ). Waisted time has occurred since the proper procedures not followed. I then confirmed it was XXXX transactions, XXXX for {$6500.00} and the other for {$4600.00}. I got notification on the {$6500.00} that they could not locate the funds. Not happy with the response and how the issue was handled. Still waiting on research on the XXXX transaction. It is odd the amounts sent can not be located since cash went through that machine and was accounted for.
Consumer complaint received 2022-12-26
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. (MO)

I have requested proof of my consent that says that I gave permission and have not recieved it. Just because people ask for my data doesn't mean I gave permission. A better job needs to be done to protect our data. I did not give my consent for them to have access to my personal data. By law they were suppose to provide this proof to me and they never did. Since they accessed my report and are showing up as an inquiry ; and I didn't consent it must be deleted. Proof doesn't mean give me the dates the company requested my info. That is not proof. Provide real proof or delete!
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and other documents so I may review to see if this is actually an account that belongs to me and to cease and desist per 15USC1692c ( c )
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

Dear Early Warning Services, I am writing to formally lodge a complaint regarding incorrect information that has been reported on my consumer report due to data breaches and identity theft associated with the three major credit bureaus : XXXX, XXXX, and XXXX. 

Background Information In recent years, there have been significant data breaches affecting all three credit bureaus. These breaches have compromised sensitive personal information of millions of consumers, including myself. As a result of these incidents, I have become a victim of identity theft. Unauthorized accounts and transactions have appeared on my consumer report, which I believe are directly linked to this breach. 

Details of the Incorrect Information Description of Errors : Please provide specific details about the incorrect information that has been reported on my consumer report. This may include unauthorized accounts opened in my name or inaccurate payment histories. 

Impact on My Creditworthiness : The presence of this erroneous information has adversely affected my credit score and overall creditworthiness. It has hindered my ability to secure loans and other financial products. 

Supporting Documentation : Attached to this letter are copies of relevant documents that support my claim, including : A copy of my consumer report highlighting the inaccuracies. 
Any correspondence related to the identity theft ( e.g., police reports or fraud alerts ). 
Documentation from the credit bureaus acknowledging their data breaches. 
Request for Action I request that Early Warning Services conduct a thorough investigation into this matter and correct any inaccuracies found in my consumer report as soon as possible. Additionally, I would appreciate confirmation once these corrections have been made. 

Furthermore, I urge you to implement stronger security measures to protect consumers sensitive information from future breaches and identity theft incidents. 

I have unauthorized accounts on my Early Warning System Report that I do not recognize & are not mine. Please remove them immediately. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently had two major medical procedures on my back In XXXX .I I also suffered severe nerve damage and had to be treaded for that as well.. I no longer am able to work and am considered permanently and totally XXXX. On Capital One 's website when I tried to contact them about this, their webpage immediately directed me to the CFPB page,
Consumer complaint received 2023-08-12
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. (GA)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$30000.00}.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

Subject : Urgent Assistance Required : Dispute with XXXX XXXX and Chase Regarding Refund Dear CFPB Representative, I hope this message finds you well. I am writing to seek your assistance with an issue concerning a refund and subsequent lack of resolution from Chase. 

I recently received a refund of {$1300.00} from a purchase made from XXXX XXXX on XX/XX/XXXX, which was deposited into my account. However, despite this refund being processed, Chase is currently refusing to provide me with the refund amount that I am entitled to. Despite my efforts to resolve this issue directly with Chase, they have not provided a satisfactory resolution. 

Given the circumstances and the lack of resolution from both parties, I am prepared to pursue legal action to address this matter. I would appreciate your guidance on the next steps and any assistance you can provide in facilitating a resolution. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I scheduled a {$75.00} payment on XXXX XXXXXX/XX/XXXX, to post on XXXX XXXXXX/XX/XXXX ( XXXX XXXX ). I selected the desired bank that I wanted the payment taken out from, and finalized the transaction. 
Unfortunately, XXXX XXXX XXXX prehistoric system glitched, not for the first time, and selected the other bank attached to my account to remove the payment from. I called in the afternoon of XXXX XXXX to rectify this issue, but the payment is already processed - unlikely for a system that, to be generous, is not state-of-the-art. I was also told that I will inevitably be hit with a returned check fee, and that I have to go through the rigamarole of an 'investigation ' to have the fee ( possibly! ) returned. This is sickening and disgraceful.