davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

As Wells Fargo has demonstrated a total lack of reading comprehension skills, they get to respond for a THIRD time. Maybe this time they'll get it right. 

In my previous complaint, I pointed out that WF stated they informed XXXX ONLY that I was a successor in interest on the mortgage. But I am ALSO the administrator of the estate. THAT was the point in the second complaint. So, since WF continues to be obstructionist regarding the documentation provided to XXXX, and based on their previous response, I am SPECIFICALLY requesting the documentation sent to XXXX with PROOF it was sent regarding my status as the Administrator of the Estate of XXXX XXXX XXXX XXXX, PROOF that the XXXX documentation was sent to XXXX, the information regarding the status of the CARES Act forbearance and PROOF that it was sent to XXXX, and documentation of the payments made in XXXX and PROOF that it was sent to XXXX. 

I trust this is clear enough and specific enough for WF to understand and provide actual, meaningful response to, not just deflections.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2023 A scammer from the account XXXX XXXX on cashapp received {$80.00} from my account $ XXXX after hacking a family members personal accounts and pretending to be them. I reported the fraud. It took cashapp 20 days to respond by telling me they would not give me my money back. Cashapp also allowed the acct to still remain active. I called cashapp to talk in person and they claimed to report the claim but said they will not be giving my money back. They told me vocally on the phone to contact the scammer and request my money back. I asked if they would still keep the scam account active and they said said they would provide no further info and hung up on me while i was talking. Nothing was resolved. The platform allows scammers to thrive and cashapp provides no protections to customers against them which should make cashapp complicit in criminal activity.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Since XXXX I've repeatedly supplied Proof that JPMORGAN Chase has WILLINGLY supplied the 3 credit bureaus with falsified information about me, I'm no longer able mentally or emotionally to deal with JPMORGAN CHASE BANK OR THEIR STALKING, HACKING AND ALL OTHER METHODS OF ATTACKS AGAINST MY PERSON & PERSONAL FINANCIAL ACCOUNTS, IM STILL LOCKED OUT OF MY AMAZON ACCOUNT, BECAUSE SOMEONE REMOVED MY ACCURATE PHONE NUMBER AND REPLACED IT WITH THE NUMBER THAT JPMORGAN CHASE HAD IN MY ACCESS PORTAL TO SAID XXXX THEM, IM STARTED TO HAVE SEVERE PROBLEMS WITH FOCUS AND NORMAL DAILY ACTIVITIES DUE TO THE SHEER AMOUNT OF STRESS AND THE KNOWLEDGE THAT IM BEING KEPT HOMELESS DUE TO FALSIFIED INFORMATION ON MY CREDIT REPORT BY THEM IS JUST AGAIN TOO MYCH FOR ME TO DEAL WITH ANY LONGER, IVE ASKED YOU FOR A YEAR NOW TO HELP ME, YOU HAVE NOT DONE ANYTHING EXCEPT PASS IT OFF .... YOURE SUPPOSED TO PROTECT! HOW TF IS THIS PROTECTING ME???? IM A XXXX CITIZEN OF THE UNITED STATES OF AMERICA AND NONE OF YOU PROTECTED ME AT ALL ONCE! I NEED A PROTECTIVE ORDER AGAINST THIS BANK AND ANY CALL CENTER AGENTS THAT XXXX EMPLOY TO STAY OUT OF MY ACCOUNTS INDEFINITELY! AND SOMETHING PROHIBITING THEM FROM ANY FORM OF FURTHER ABUSE INCLUDING SENDING OUT MEMOS TO OTHER CREDITORS USING MY NAME AND DELIBERATELY HAVING SAID COMPANIES LOCK ME OUT OF ACCOUNTS I HAVE WITH THEM!!!! 
Step 4
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls/CapOne XXXX The basis for my dispute is ALLEGED - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after Kohls/CapOnefailed to notify  me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, Kohls/CapOne '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Kohls/CapOne failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Kohls/CapOne is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.AppXXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

In the last week of XX/XX/2023, I was unable to log into my Chase Online Banking account, which I subsequently found out was due to it being locked. Upon contacting customer service, I was informed that my account was being terminated and my checking account would be closed. It was also stated that I would receive a check for the balance in my account via mail. I was assured that my other accounts ( credit card and IRA ) would remain open, but this assurance was short-lived. 

Despite my repeated attempts to understand the reason behind this sudden and abrupt termination, I was not provided with any valid explanation. Worse still, I was met with rude behavior, which I believe is unprofessional and out of place in a customer service environment. 

My XXXX XXXX, who I hoped would be able to clarify the situation, chose to ignore my concerns. Calls to the XXXX XXXX customer service line were fruitless, as they demanded validation with my closed debit account number and then dismissed me, claiming I no longer held a relationship with them. 

A visit to the Chase branch in XXXX, XXXX, MA, only confirmed the closure of my checking account and the 14-day process to complete this. While they reassured me that my credit card and IRA would remain open, my IRA was also closed without any prior notice. 

Adding to my woes, I was informed that my funds would be mailed to me by XX/XX/2023. However, it has now been over a month since this date and I am yet to receive my funds. The delay is causing me financial distress as I am losing money due to credit card interest and the inability to access my own funds. 

Furthermore, while my checking account was closed, Chase continued to accept my paychecks from my employer. These funds, amounting to over {$19000.00}, have yet to be returned to me. I have contacted customer service weekly, only to be repeatedly told that the check is pending approval with no further updates. 

This chain of events has left me in a precarious financial position, caused me undue stress, and undermined my trust in Chase. I kindly demand immediate action to rectify this situation, including an explanation for my account closures, and most importantly, the immediate release and delivery of my funds. 

I hope for a swift resolution to this matter. Thank you in advance for your attention and assistance.
Consumer complaint received 2023-05-12
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)

I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX  XXXX XXXX Balance : {$2800.00}.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2017-07-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (PA)

I have been contacted repeatedly by several different debt collection agencies about a debt owed to XXXX XXXX XXXX, XXXX, Pa. by an XXXX XXXX. I do not know how his name got connected to my cell number as I have had the number for 7+ years. I told the debt collection firms in XXXX, Ohio ; XXXX, Pa and the accounting department at XXXX XXXX that this is not XXXX 's number, that the only XXXX XXXX I knew is one that I arrested, that he is not at this number and to quit calling. Calls stopped for a couple of months and then I got one today from XXXX. I called them back ( and even though I blocked my number it was displayed to them??? ) Medical Revenue Service I explained this to the woman and she said that they just got the " account ''. She said that she would remove my number but the others said that too!!! I was recently informed by a neighbor that XXXX XXXX is XXXX, that he XXXX after an XXXX or something in the XXXX County ( PA ) jail. I informed these people of that. Someone needs to get the message across to XXXX XXXX XXXX and their debt collectors to get their information correct before they start harassing people and to get a system in place to remove bad information from the system Apparently this latest company buys bad medical debt and tries to collect, in this case they wo n't because XXXX is XXXX.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I received on XX/XX/XXXX XXXX payment from my tenant ( at the time, is now evicted ) a payment towards XXXX rent of XXXX through Venmo... Unaware, until venmo took the money BACK FROM ME... and gave his his money back?? I'm beyond words, angry ... .HOW COULD THEY DO THIS ... which resulted in my account being negative on which I had to repay the XXXX to get my account in positive status... I want my money back... they had absolutely NO RITE TO TAKE what little money he did pay me BACK?????? I'm reaching out because I'm lost... Sad.. And I need help, they basically stole my money and I want it returned please.Thank you
Consumer complaint received 2023-05-12
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. (OH)

Company : XXXX XXXX XXXX Furnished date : XX/XX/2020 Bureaus Reporting : Experian ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to Experian and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long. 

I am requesting this company XXXX XXXX XXXX XXXX XXXX to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.
Consumer complaint received 2023-05-12
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. (IN)

To whom may concern, I sent in verification to Transunion credit bureau about 7 to 8 months in 2022, showing a collection account on my credit that is reporting from XXXX XXXX XXXX XXXX, in the amount of {$100.00}. The collection had been paid in full. I dispute the collection and ask that this account be taken off my credit. I was assured by two different representatives that the collection would be removed. The account is still showing on my credit and is affecting credit score. I would like this account removed from credit report immediately. I just want to be treated fairly.
Consumer complaint received 2023-05-12
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. (VA)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (PA)

I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late T-Mobile In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2017-11-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have received my credit report listing the following items I disputed. I have requested for several months Experian to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Experian has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.
Consumer complaint received 2024-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

Account info Account name CREDENCE RESOURCE MANAGE Also known as CREDENCE RESOURCE MANA Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1200.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/year> XXXX
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (MI)

One again I have made complaint about this matter with XXXX XXXX XXXX  being clearly a fraudulent accounts with fraudulent charges attach to this account i continue to dispute this matter with Experian but they have choice to completely neglect this matter and has allow this creditor to not verify any information show any valid proof of these charges first premier bank has not shown original signed document sign by me linking me to this debt as requested and Experian is once in violation of several FCRA rights that they must uphold to the consumer. by stating they have investigated this matter .they havent received any verificationme to debt by this cred but old was never. infirst that has been full requested to be update, and I have show documentation of police report and current mail address plus vaild driver license with current address I have had for several years that any information this creditor have is completely incorrect. XXXX XXXX XXXX has not show any valid documentation of this account, Experian is and complete violation of 15 USC 1681 S-2 Plus in accordance with the fair credit reporting act conversion account # XXXX And account # XXXX and account number # XXXX has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions XXXX XXXX/ XXXX is violation 15 U.S.C.1692 g section b 15USC 1692 e Experian violation XXXX section 5 XXXX XXXX XXXX in violation. 15 U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 e XXXX XXXX  XXXX in violation 15U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 section b 15 U.S.C.1692 e
Consumer complaint received 2023-05-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services ( NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous.

To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial.

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,