davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank cancelled my auto-payments without notice. I had a 100 % payment history since XXXX. They claimed they told me that payments would only be scheduled for 12 months when I spoke with them in XX/XX/XXXX to reset them. However, they did not tell me. I was told they would continue indefinitely. When I called Chase to dispute that they told me that, they said they would find the phone call recording. A week later, they wrote back to me THEY COULD NOT FIND THE RECORDING. 

The only reason I was alerted that my accounts were past due was because credit monitoring services alerted me. Not because Chase did. By this point, it was too late to prevent harm from my credit score. Upon this notice, I completed payments in full and became immediately current.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

I called into the XXXX Bank on XX/XX/year> at approximately XXXX ET. I showed a {$6000.00} " funds transfer debit to _XXXX '' on my checking account that was scheduled to go out on XX/XX/year> and called to report that this transaction was not initiated by me or any signer on my account. I was transferred XXXX times. Each time I was transferred, I was told that the individual could not see the transaction that I was speaking of and they would need to send me to another department. After obtaining the fifth agent, they explained to me that the bank had implemented a code change and that it was causing errant transactions that were not correct to show up on customers accounts. I asked to be provided with some proof or notice that this was the case in writing as I know that the bank would hold me liable if our conversation was not documented or I had some way of proving this was not a transaction I had initiated. I was told that this was not possible. I then asked to speak with a supervisor and was also told that there were none available that I could speak with. After insisting, the agent became adamant that I would not be able to speak with anyone else. I gave up in frustration.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

I have dealt with months of poor customer service and a non-functional product. Cashapp at no such time has provided me the services the company advertises. I have not been able to send or receive money, purchase stocks, and/or perform any of the functions the company advertises. 

Additionally, cashapp demanded a litany of invasive personal, financial, and biometric data under the guise to obtain an account, but has provided no such services after the company took possession of the data that it coerced me into giving. 

Cashapp has refused to share details of the account status, and has resolved no outstanding issues as of the date of submitting this complaint.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (UT)

First, I can provide CLEAR emails from Chase to me that will provide convincing evidence that everything I am about to state is accurate. 

Very simple story really. For years my local Chase bank did not charge me monthly checking fees as I kept a certain " threshold '' balance ( combined balance ) in their institution. Then, all of a sudden Chase started charging me monthly fees so I contacted my banker XXXX XXXX ( not easy to work with in my opinion ) XXXX as a higher level local banker told me if I would move XXXX from another institution ( ie XXXX XXXX ) into Chase investment banking then that would meet a " threshold '' of balance and then I would go back to not being charged monthly fees. I was " enticed '' shall we say to move XXXX ( that is A LOT of money ) into Chase in exchange for no monthly fees. Again ... this is all SUPER CLEAR in emails I can provide at the appropriate time. This XXXX was added to an investment account that already had XXXX so now I am " parking '' XXXX ( again..a LOT of money ) in their bank for what they documented in emails would " waive '' monthly banking fees. 

Now..for reasons that appear unclear ( maybe fraudulent..that is for you to decide ) they are charging us over {$100.00} per month in banking fees on several accounts despite us having met the XXXX threshold of holdings at their bank that they said would be required to NOT charge us monthly banking fees. 

We have XXXX clear email to document all of this when the timing is appropriate. Our banker- XXXX XXXX has been less than " timely responsive '' and we feel their actions ( to us ) seem deceptive. But we do respect regulatory bodies and want you all to determine if what they have done is misleading or fraudulent. 

We simply want all of the over- {$100.00} fees reversed. They have charged these for many months... so we need to go back several months and reverse them ALL. Keep in mind we have banked with them for well over 20 years. The person XXXXseems to be the source of the problems... but again..we want YOU to see if that is the case or not. We trust your regulatory findings. I have emailed XXXX and asked for his manager thinking that someone " higher up '' in Chase would review the situation and do the RIGHT THING and reverse these fees. XXXX WILL NOT RETURN my emails and WILL NOT provide me the name of his direct supervisor. I do NOT wish to ESCALATE this, but I believe I am running out of options and as such am reaching out to CFPB hoping some sort of " consumer advocacy '' can take place to help me ( the little guy ) fight the big bank ( Chase ) that enticed me to move a LOT of money to their institution... .which I did .... but they did not hold up their end of the agreement as laid out in a series of email. If they would simply reverse all these fees I would be happy, drop this, and we could all move on and have a great day!
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and this is a fraudulent account that's reporting to my credit report that do not belong to me. I do not recognize it, nor did I authorize it, Can you please delete and block the following fraudulentinformation from my credit report. 
XXXX XXXX XXXX Acct : # XXXX Amount {$480.00} XX/XX/21 Ive spoke with the credit bureau and they have told me to supply them with the account number and they would remove this fraudulent account from my credit report. XXXX XXXX XXXX is reporting this fraudulent account to my credit with knee way of even validating the debt. 
*See Attached*
Consumer complaint received 2024-10-10
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: PENTAGON FEDERAL CREDIT UNION (CA)

XX/XX/year> I contacted XXXX via CFPB portal complaint ( XXXX ) to notify the XXXX and Pentagon Federal Credit Union that PENTAGON FEDERAL CR UN ( XXXX ) was reporting inaccurate, incomplete, and outdated information on my credit report. I requested a re-investigation according to 15 U.S.C 1681i. Not only did XXXX and Pentagon Federal Credit Union fail to verify the reporting and/or update the report, they failed to remove the account from my credit report. 
XX/XX/year>. I received a response back from XXXX regarding the mentioned account PENTAGON FEDERAL CR UN ( XXXX ). In XXXX 's response they indicated that the account had been removed as a resolution. I pulled my recent report via XXXX XXXX and saw that the account still remained on my credit report and was still reporting inaccurate, incomplete, and outdated information. I contacted XXXX via phone and the agent I spoke with refused to remove the account ; although, XXXX had claimed to had removed per their response via CFPB portal complaint. ( Please see attachments ).
Consumer complaint received 2023-11-17
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)

Experian LLC Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian LLC Services I am writing to request you to delete this accounts from your reporting agencies in accordance with the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is Violating of my rights according to 15 U.S.C. 1681 Section 602 : I would like a complete and accurate record of any payments made on the debt, including the dates of those payments in all the accounts A clear explanation of the nature and amount of each interest and fee charge added to the debt.

Account on charge off does not have another secure due date should not report late payments Account activity after the account was closed Information about the statute of limitations for collecting the debt in my jurisdiction. 
Validation letter in regards to the charge-off and closed accounts listed on my credit report Any agreements or contracts related to the charge off This is Violation of my right according to 15 U.S.C. 1681 Section 602 : 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 an 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.

a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition Any person that furnishes information to a consumer reporting agency shall not furnish any information that it has determined is not accurate.

Until I receive this validation, I dispute the validity of these debts and demand that you cease all reporting efforts immediately from all credit bureaus.

Please send this information to me in writing within 15 days of receiving this request. I look forward to your prompt response .Please find attached any supporting documentation that may be helpful in the investigation of this matter
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, an unauthorized transaction of {$8000.00} was made from my Citibank account. I discovered this on XX/XX/XXXX when I checked my account and noticed the funds were missing. Given that Citibank primarily serves as my savings bank, I do not frequently monitor my account. Without hesitation, I visited the bank to report the issue to the manager, who initiated a dispute regarding the transaction and advised me to wait for further updates. 

While I was reassured by their support, it was disheartening to think that such a significant amount could disappear overnight from an account I trusted. After a few weeks without any updates, I called the bank for a status check, only to learn that there had been no progress on my claim. I understood that the amount involved was substantial, but I remained hopeful. 

However, two months later, when I called again, I was shocked to find out that my case had been declined. The representative informed me that the dispute was not considered fraudulent. When I inquired about the status of the funds and where they had gone, I was told that the bank could not provide any information and that the case was closed. 

It has now been several months, and despite my continued efforts, I have yet to recover my funds. This experience has been both frustrating and disheartening, leaving me with unanswered questions about the security of my account and the bank 's ability to investigate such serious matters.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

This complaint is related to complaint XXXX. On XX/XX/2023 a call was made to Shellpoint in which a representative stated that a streamline trial plan had been approved to begin in XXXX with payments of {$630.00}. Client was informed and very happy to get this issue resolved. On XX/XX/2023 another call was placed to ask for the plan in writing. The representative said that there was no modification. A supervisor took the call and stated that she would review the call and get back to me. Another call was made to Shellpoint on XX/XX/2023 and the notes indicated that no one pulled the call, nor made any notes, nor did any research. Again a call was made to Shellpoint today, XX/XX/2023 and again there are no notes that the supervisor is actually reviewing the situation. At this point, Shellpoint has not been honest about a modification, did not research the call upon request and failed to update after promising to do so. We believe that Shellpoint is not living up to their words and promises. We believe this is unfair and we are very disappointed in the dishonesty from representatives and supervisors.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My mortgage was transferred to Carrington XXXX and they are charging me for a " loan modification. '' I'm not sure what they are trying to charge me for, there is no description of this change and I can not reach anyone at their office. All phone numbers are invalid.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their failure to remove a derogatory account from my credit reports as agreed. On XX/XX/year>, I submitted a CFPB complaint regarding this account, and on XX/XX/year>, XXXX XXXX XXXX responded, stating that they would remove the disputed account from both my XXXX and XXXX credit reports. 

Despite this written commitment, the account remains on my credit reports to this day, continuing to negatively impact my credit score and financial well-being. This delay and failure to act is completely unacceptable, especially considering that they explicitly confirmed the removal of the account. 

I am demanding that XXXX XXXX XXXX immediately remove this account from my credit reports, as previously promised. Failure to do so will result in further action, including but not limited to filing additional complaints with the CFPB, and escalating this issue to ensure compliance. 

I trust that this matter will be addressed urgently, and I expect written confirmation once the accounts have been deleted.
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

There is a collection on my credit report from Sunrise Credit Services for {$290.00}. The original creditor is XXXX XXXX. The first time this account was on my credit report was XX/XX/year>, but says the account was opened in XX/XX/year>. XXXX says they do not have information about this account and can not give me any information about the account. Sunrise Credit Services told me to file a police report, the police told me to contact XXXX for more information, and XXXX told me to contact XXXX. No one has any information about this account but it has remained on my credit report.
Consumer complaint received 2022-11-14
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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: DISCOVER BANK (MN)

The case against Discover Discover Card XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In short, I have paid for an annual cell phone plan with a merchant, XXXX XXXX  XXXX by using a Discover Card on XX/XX/2022. After the SIM card kit from the merchant has arrived, I was unable to activate new line or port my number for weeks from the previous carrier to XXXX XXXXBy XX/XX/2022 issues were still unresolved and I have finally notified the merchant about me moving on and have asked the merchant for a refund. They did not refuse to issue the refund it but they never issued one either. At that point, Discover Card was contacted and end result was their denial to issue a refund to me by confirming in mail how merchant does not issue refunds.
Consumer complaint received 2024-10-10
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. (KS)

A lady named XXXX XXXX called me from Chase Bank stating a new Chase Freedom Credit card was opened in my name for {$9500.00} in North Carolina. XXXX stated the card was used but charges are being disputed and the account has been terminated. She said it looks like Im a victim of identity theft. She gave me this reference number as well XXXX but not sure what that number is a reference to. She attempted to transfer my call to the Consumer Financial Protection Bureau and the call was disconnected. I have not been able to reconnect. I have not been in North Carolina and did not open this account.
Consumer complaint received 2024-10-10
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: JPMORGAN CHASE & CO. (MA)

Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " XXXX XXXXXXXX XXXX XXXX ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show XXXX XXXX XXXX XXXXXXXX '' and " JPMCB Card '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the XXXX off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (MO)

There is a lot of odd things going on within this company. 
1. I was sued by them in 2021 but afterwards never heard a thing. Technically I never heard a thing about the lawsuit either and didn't know I could do anything about that in court.

2. After they won I didn't hear anything. They don't do anything. No movement nothing with it.

3. I've called them twice now trying to work out a deal and every time I've been hung up on rudely. I emailed them on their email and also don't get a response. 
This is just such terrible behavior and they have all the power here while I have none because they have a garnishment.