davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
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: JPMORGAN CHASE & CO. (CA)

I purchased a vehicle from XXXX XXXX XXXX in XXXX of XXXX  with a cashiers check from my bank Chase. After six days with the vehicle it started having issues so I promptly returned it. I was mailed a cashiers check from XXXX in the exact amount I put down on the vehicle and deposited it into my Chase checking account.

About two weeks later I went to Chase to make a cash withdraw and my card was not working so I schedule a meeting with a banker and was told that my account was closed for fraud. I asked multiple times why and what I could do and this bank had no answer. I proceeded to travel to at least five different Chase banks over the next two weeks, and received a different response each time. One bank said it was fraud and could not tell me anything else, one bank said it was because I needed a letter from my employer, but most of them did not tell me anything. I eventually walked into a Chase Bank in XXXX and decided to cause a scene, because at that point I was told so many different things and had not had access to my only bank account for almost two months. I only survived because my work provided me with meals and I borrowed money from a friend to put gas in my car. As usual the banker said they could not do anything and my account was closed for fraud, I started yelling and cursing at him and the bank manager came over. I pleaded my case to him through tears and he sat down and said he would spend the day getting this figured out with me. After about two hours of deliberation between his corporate office and XXXX, I got my bank account and my money back. At one point Chase 's corporate office stated that I would have to bring an employee from the dealership to their bank to verify my story. I was not able to pay any bills during this two month period and my credit score dropped XXXX points to the XXXX. I have not been able to get a car loan, persona loan, or even move since then. I have had to rely on making cash payments for everything. I deserve to have my credit score brought back to where it was before Chase ruined my life. When I entered the Chase Bank in XXXX I had planned to take my life if I was told the same thing again. For the first time in my life I had over {$10000.00} in my bank account and Chase decided to ruin me. I have called Chase 's corporate office about this dozens of times since then and they simply do no nothing. I had tried contacting lawyers but nobody wants to go against Chase. It just occurred to me this morning to trying contact government agencies. I will be sending this same message to the Federal Trade Commission and the Office of the Comptroller of the Currency. 
Thank you for taking the time to read my story.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.
Consumer complaint received 2023-09-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

Employer purchased a prepaid Vanilla Visa gift card for {$250.00} at XXXX in XXXX on XX/XX/XXXX, on XX/XX/XXXX the card was used fraudulently by someone else in XXXX at XXXX. I have tried to contact XXXX and XXXX. XXXX won't help me. XXXX tried to start an investigation on XX/XX/XXXX but when I call, the call is disconnected, the quality of the call is poor and you can't hear the representative on the other line. After reading reviews, there are thousands of people that have been defrauded by XXXX. Their customer service is non-existent and I would like a replacement card.
Consumer complaint received 2019-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2019 I was in the process with a wire transfer {$75.00} via the CashApp, the app allows you to send money to a person in your contact either by phone number, name, or the profile name created.

My friends profile did not populate but another person did who is not in my profile, and the funds was captured by a person with a profile name " XXXX '' This is not my friend and upon the funds being captured I sent this person a message to decline this money transfer, I emailed the Cashapp and they advised once the money has transferred even if I didn't authorize it, they can not refund me back and I will have to reach out to my bank.

I spoke with my bank they cancelled my card and a full dispute. However Cashapp petitioned my dispute stating that I authorized it therefore my bank which is XXXXt XXXX XXXX re-couped my {$75.00} from my account. My bank gave me the phone number of the person who captured my money and this person I do not know. The phone number does not exist in my phone and I did attempt to call the number and it has got un-answered.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), states that the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility except the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-19
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)

I Sent a Request to Validate Medical Debt. I requested three specific things 1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
This Debt Collector failed to answer the three questions listed above. 
Instead they sent a vague letter stating " XXXX has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( XXXX ). 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. XXXX has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Absolute Resolutions Corp. (AZ)

1.On XX/XX/2023 at XXXX XXXX  my landlord was improperly served my documentation that was no sealed and revealed all my private and personal information. The server also incorrectly reported the landlord reported I am unmarried. 

2.XXXX XXXXXXXX  XXXX has further posted a derogatory report on my credit without confirmation of the debt, or contacting me by phone, in person or by mail ( electronic or letter ). 

3. The collector has failed to give me validation information about the debt in question.

4. This debt is time-barred.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I requested to correct the inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX my purse and wallet was stolen. In my purse was a prepaid American Express debit card with {$1200.00} stimulus check on it. Whoever stole my purse spent the entire {$1200.00} without my permission. 

I immediately filed a police report and contacted American Express to let them know what happened. They looked into my claim but said that since the charges went through they can't refund my money. Can you help me get my money back? Thanks!
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

I dont have a problem with rules and guidelines if theyre followed consistently. Cash app just kind of changes on a daily basis! One, its frustrating, two its not right. honestly Im tired of all these banks just doing whatever they want to take advantage of people.

Issue : Hotel charge, when I check out they immediately release the hold. Most banks, incidental charge goes back fairly quickly not with cash app they just let it sit there for a while so the last few times I have sent them the final receipt per their request showing that the balance was paid and to please release the other money back into my account And today I tried that and was told they are unable to do that although I followed the same procedure I did last time! Now granted I say the last few times they did it but a few times before that they gave me an issue so its sometimes they do sometimes they dont whats the procedure? well every dollar counts for me right now and I dont wan na go into all my personal stuff and what my issues are but finances are real tight right now. Im XXXX and I get XXXX once a month and times are a little frustrating and what adds to the frustration is their attitude just rude, fast and quick trying to get you off the line so they can move onto the next customer this particular time were talking about {$11.00} thats {$11.00} of gas money I can use its {$11.00} that I can use toward my granddaughter who I help raise its the principal of it! One day Its one way the next day its another Im sick of it.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2020-06-25
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 applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2020 I started receiving letters from Mr. Cooper that I need to start making the payments again after the pandemic loan foreberance, they also gave me an option of amending my monthly payment due to Pandemic and it is called pandemic amended payment where Mr. Cooper would reduce my monthly Mortgage payment due to Pandemic. So that was applied on XX/XX/XXXX and I was told within 7 - 10 business days I will get a response from Mr. Cooper regarding this. Today 22 days have passed since I spoke with the agent and I haven't received anything. I have made around 10 calls  regarding this matter and every time I speak with a new person as my SPOC ( point of contact ) is not picking up the phone. Every new person give me a difference excuse. 

Now after threatening mr. Cooper a lawsuit, this is what they have mentioned on their website ( Please see attached ). so now they will take another 30 days to process that Amended Forebearance payment. This company is just harassing me and doing nothing else. I should have got this decision by XX/XX/2020 and today is XX/XX/2020, still there is no decision. 

Secondly, my monthly payment is XXXX and in the last statement generated this month on XX/XX/2020, the monthly payment has increased to XXXX for which I called customer care yesterday and the customer care agent told me that she is going to suspend the increase of {$15.00} for next 24 months but I am not seeing that on Mr. Cooper website. I did not receive any letter regarding the payment increase. They just increased the payment on their whim.
Consumer complaint received 2020-06-25
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. (NC)

XXXX XXXX XXXX XXXX is reporting on my XX/XX/XXXX Equifax credit report as closed, with a {$0.00} balance, and paid as agreed. However it is negatively reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If this account is closed, with a {$0.00} balance, and reports pays as agreed, it is contrary to report that I am late on 3 months of payments when the balance is {$0.00} and states " pays as agreed ''. This account is reporting as closed. So it can not be reopened as per FCRA regulations. It reports a {$0.00} balance so no money is due for that reason, and late payment reporting is untrue because the above is true as XXXX XXXX XXXX XXXX and Equifax have reported previously and as of the XX/XX/XXXX Equifax report. See attached Equifax credit report documents.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC (TN)

a internet bill from XXXX XXXX XXXX I did not owe. I had inter service that stoped working so I called them, they tried to fix on the phone my internet was off over a mouth I asked to send a repair man they said no, they said my modem was bad, and they said we will send a new one at over 120 dollars I said no, so they said it would be no charge. I told them to cut off my service, but they sent the modem anyway it still did not work, so I got another internet service. mean while they sent a repair truck, he found a line down across the road, then they sent me a bill for the modem & internet service XXXX dollars, I called them, they said I had to pay. I said no, so they turned it over to a collection co. they called me an said I had to pay she said she would put it on my credit report so I paid it! I have a witness to this