davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I am the account owner of a Chase XXXX XXXX XXXX credit card. My wife is an authorized user, and Chase issued separate cards for each of us. Unfortunately, her card was lost or stolen sometime between XX/XX/XXXX, and XX/XX/XXXX. We only became aware of this loss in XX/XX/XXXX when I noticed unusual activities on our account statement. 

Upon discovering the loss, I immediately contacted Chase to report the issue. I identified over {$4000.00} in fraudulent transactions made using my wifes card between XX/XX/XXXX, and XX/XX/XXXX, when the card was officially reported as lost. While we were able to recognize many unauthorized charges, some transactions remained difficult to discern, particularly those made at the same merchants where I used my card, complicating the identification process without Chase 's assistance. 

We made it clear to Chase that every transaction made with my wife 's physical card during the period it was missing should be flagged as fraudulent, as the card was in the possession of unauthorized individuals. Despite this, our case was denied because we couldn't identify every single charge as fraudulent, which we had explained was impractical from the outset. 

This matter has now been ongoing for six months, and despite multiple escalations, there has been no resolution. Throughout this period, I have continued to pay our monthly bills in full, including the charges made by the perpetrators. 

I am requesting urgent action to resolve this matter promptly, as it has caused significant frustration and financial strain.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (CA)

My previous mortgage company, XXXX, made an error in the public recording of a reconveyance done on XX/XX/XXXX ( see attachment dated XXXX ). Instead of reconveying my XXXX deed of trust ( attachment dated XXXX ), my XXXX deed of trust ( attachment dated XXXX ) was reconveyed. At that time, I was refinancing my XXXX deed of trust with the XXXX deed of trust. For both mortgages, the lender was XXXX, which has gone out of business. 

The XXXX deed of trust is currently held by Shellpoint/Newrez LLC . I contacted them XX/XX/XXXX alerting them to the error and the fact that they might be holding a mortgage that was recorded as paid off 5 years ago. Newrez responded by sending me on a wild goose chase to an XXXX trust company with vague contact details. I researched that trust company and contacted the appropriate group. They have informed me last week that Newrez/Shellpoint as the servicer of the trust has the authority to make the required correction and that they can not help me.

In the meanwhile, this has held up my refinancing application with a potential new lender for the last two months as they want the public record to be corrected. This is causing me considerable financial stress. I have not gotten any response from Newrez despite my many emails and phone calls to them throughout the process. I'm afraid they will do nothing or worse, send me on another wild goose chase.
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (OH)

I used cash app card to get my federal and state refunds, they are there but not being released to me. My account number is Routing Transit Number : XXXX Account Number : XXXX. Transactions are one for XXXX from the IRS. The other is XXXX from OH Dept of Transportation. I have tried several times to get my money. It is saying my card is closed for no reason. I have to email them there is no phone support I have sent them everything they ask for over and over for a week. The company is just CASH.APP it says it goes through XXXX XXXX  XXXX XXXX. Please help get my money. My name is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The phone associated phone to the account is XXXX.
Consumer complaint received 2024-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Ive noticed unrecognized hard inquiries on my credit report which are capital one on XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-23
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (NV)

I received notification that I was part of the XXXX XXXX XXXXXXXX XXXX  and that my XXXX XXXX loans would be forgiven. Despite receiving the email from the department of education in XX/XX/XXXX, my loans have not been discharged force, which has forced me to start repaying on loans that I should not have to pay.

I submitted another CFPB complaint back in XX/XX/XXXX and the company has repeatedly refused to respond.
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (TX)

I used the Square App for payment for my XXXX XXXX cookies sales. They said no fee until you reach {$1000.00}. I have spoke to someone the first time I saw the fees. They said oh we have applied the code you will not get any fees. I am now emailing XXXX and still getting fees. they refuse to give me a number to call and said they can remove the fee, now XXXX has told me again that they have applied this code. XXXX XXXX   cookie season is only a month and we are done. so we have paid out over {$50.00} in fee that they refuse to credit back to me account.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this as a second request for assistance in resolving the inaccurate reporting of XXXX XXXX XXXX, which appears on my rental history as a Judgment of Possession. This information is incorrect and continues to hinder my ability to secure housing. 

Background : 1. I resolved the judgment by making full payment, as confirmed by written correspondence from the apartment complex. The judgment was canceled, and no eviction occurred. 
2. I was allowed to remain in the unit and subsequently signed two additional leases with the same property after the judgment. These leases further confirm that the matter was fully resolved. 

Attachments : To support my claim, I am including the following documentation : Email correspondence from the apartment complex verifying that the judgment was resolved and no eviction took place. 
Copies of two subsequent leases for the same unit, showing that I continued to reside there without issue. 

Request for Resolution : I am requesting CFPBs intervention to ensure that the reporting agency updates or removes this inaccurate entry from my rental history. Despite my previous efforts to resolve this, the issue remains unresolved, and it is unfairly preventing me from moving into a new home. 

Contact Information : I can be reached at XXXX or XXXX for additional information or clarification. 

Thank you for your attention to this matter. I sincerely hope for a swift resolution to this ongoing issue, as it is causing undue XXXX and hardship.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (NY)

a company called XXXX XXXX XXXX XXXX XXXX XXXX to Experian and XXXX for unpaid bills ( {$3900.00} ), this amount now increased to {$4500.00}. I sent in a detailed letter with all my supporting evidence to these XXXX bureaus only to be told that XXXX said that the account is valid. I asked for proof and explanation from this company only to be told by Experian and XXXX that they only asked the company for a response. these XXXX bureaus said they accepted what they are being told by this company. So Experian and XXXX did no investigation, asked for evidence, proof and documents to back this company account validation claim. I was told by Experian and XXXX that they abide with the company response. 
I made several disputes with Experian and XXXX between XXXX, XXXX  and XXXX, XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (SC)

XXXX FTC XXXX NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information. 
Not offered an opt-out option for third-party data sharing, as required by the law. 
Neglected to establish proper safeguards to protect my personal and financial information under the XXXX Safeguards Rule. 
Raised concerns about their identity verification processes, which may violate pretexting protections. 
I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (AZ)

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OR)

I have federal Student Loans managed by Edfinancial. 

I think it has been about 6+ months that I can not login to my account from any mobile web browser. I always get an error that simply states come back later. Well, 6 months later I still cant get in. 

The chat bot on their website does not let you connect to a person and it gives the same prompted responses, putting you in a loop. 

I have contacted via support via email but get the same thing as the error from the associate answering my request, to comeback later. 

I can only access my account from a desktop/laptop computer.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

I filed a dispute with regions bank. My checks were being returned. After the claims were approved and the money was dispersed to my account, The bank allowed someone else to withdraw my funds. after complaining, I wasn't able to be assisted. The claim number is XXXX.
Consumer complaint received 2020-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

This is a continuation of complaint number XXXX-XXXX. 
In regards to the phone number that cash app provided, you reach only an automated system which tells you that you have to contact them through the app which only offers email and then hangs up on you. There is no way to get in touch with a person using the number provided. Cash app continues to withhold my money and not respond to any emails.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (LA)

Purchased a XXXX XXXX XXXX XXXX on XX/XX/year> from the XXXX of XXXX XXXX dealership. Car bad XXXX miles when I bought it and it now has XXXX miles. The dealership lied to Experian XXXX and on the Louisiana XXXX registration that my car falsy has XXXX miles to try to burn me out of the factory warranty.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

About 30 days ago I received ( 7 ) account breach emails to one of my emails associated with a former Chase business, and personal account. The two emails known to Chase that were compromised in their recent data breach were XXXX, and XXXX. 
In this period someone applied for a Chase credit card in my name, and I received notification from my " Identity Defense '' program, that this information is circulating on the dark web. 
I need this removed from the Chase system, and the credit bureau/s/ in question.