davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

Dear CFPB, I am very concerned that I had money removed from my accounts by XXXX XXXX   employees. Over {$400000.00} was removed from my accounts and invested without me being told of the movement. I never gave anyone permission to remove money from any of my accounts. I had a lawyer but not hearing from him in two weeks I figured he wasn't going to do anything for me. Because I didn't sign papers for him to request my bank statements. The last meeting I had with attorney XXXX he asked if I wanted him to suggest a lawyer to help me. I went looking for another lawyer myself. 
I first learned of the money being removed from my accounts in XXXX, I called the bank and was told to call the CEO XXXX XXXX, I was confused but called and wrote him several times over the pass 11 years. 
A bank manager XXXX XXXX at the XXXX Ohio branch for some reason either was appointed or took it upon himself to except any calls concerning my compliant. He obviously told whom ever called that everything was taken of when it hadn't. He told other bank managers not to look at my bank statements or to listen to my compliant. I had informed other departments of the bank but nothing was ever done to rectify my loss. 
I feel with XXXX XXXX being the CEO he should have appointed someone to look into the matter for me. Not one bank official sat down with me and went over my bank statements. I have lost a lot of money and a life from XXXX because of learning in XXXX that {$100000.00} of the deposit was missing I took the blame thinking I wasn't paying attention when the two checks were deposited, my life has been a shambles. 
Someone needs to take responsibility for the lost of money and a life.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (MI)

Upon checking my credit report I found an account that is reporting without my knowledge or consent. XX/XX/XXXXXXXX XXXX opened XX/XX/year> is a fraudulent account whom i never gave permission to run my credit or furnish my information. This is identity theft and in violation of several of my right including right to privacy and permissible purpose to furnace information. Please be aware that anyone could have stolen my personal information and made an fraudulent account. The account is also furnishing inaccurate information such as address email and phone number.I never did any business with this company nor have I ever heard of this company.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: One Source Technology (FL)

Asurint illegally gave out my info without written consent, also stored my information without my consent. Asurint used my info without my written consent which is identity theft. I am a federal protected consumer and Asurint have committed fraud, and also caused me pain and suffering.
Consumer complaint received 2024-07-23
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: LEXISNEXIS (OH)

I am writing to formally request your assistance in resolving an ongoing issue with XXXX Risk Solutions regarding the removal of inaccurate bankruptcy information from my credit report. Despite my repeated attempts to address this matter directly with XXXX Risk Solutions over the past several months, they have failed to take appropriate action. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Date of Birth : XX/XX/year> The specific bankruptcy listing in question is associated with the file number XXXX. I have received a letter from the bankruptcy court confirming that they do not report bankruptcy data to credit bureaus. A copy of this letter has been provided to XXXX Risk Solutions for their reference and verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), XXXX Risk Solutions is required to investigate and remove any information that can not be verified. Given that the bankruptcy court does not report this information and there appears to be no verifiable source for the bankruptcy listing on my consumer report, I am requesting that XXXX Risk Solutions promptly remove this bankruptcy listing from my consumer file. 

Furthermore, per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate bankruptcy listing is a clear violation of this provision.

Additionally, 15 U.S.C. 1681 addresses the permissible purposes for obtaining a consumer report. I question who granted the credit reporting agencies permission to include this inaccurate information on my consumer report. 

Despite providing proper identification and the letter from the bankruptcy court, my requests have gone unanswered. The presence of this inaccurate bankruptcy information on my credit report is causing significant harm to my creditworthiness and financial well-being. 

I kindly ask the CFPB to intervene in this matter and ensure that XXXX Risk Solutions complies with their obligations under the FCRA. I request that they promptly remove the inaccurate bankruptcy listing and notify me in writing of the results of their investigation and the actions taken to correct this error. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

The name of the company is MOSAIC. Their XXXX XXXX XXXX XXXX XXXX AZ XXXX I had work done on my house 2 years ago for about {$25000.00}. I pay the bill on time on their website : XXXXmosiacXXXX their phone number is : XXXX. I usually pay 2 days in advance, sometimes several days earlier. The Payment is due on the XXXX each month. If payment is 10 days late its {$10.00} fee. On XX/XX/XXXX at XXXX I paid the bill but the system read that it would not be available as it would be down for maintenance. I immediately paid the bill at that time. On Sunday I went on line again and their website said I hadn't paid my bill and was a day late. several times while on the website required me to acknowledge that I was aware the XX/XX/XXXX maintenance was over, I paid the bill again thinking that the maintenance must have wiped my payment On Monday I went on line again and the website said I was two days late on my payment so I went to the payment portion and although of my payment history it showed I made a payment on XX/XX/XXXX and on XX/XX/XXXX. I went to my bank and neither payment was listed as pending, I called the company ( Mosaic ) and asked them to stop the second payment. The woman put me on hold and said her supervisor said they wont do that but after they receive it I can ask for a refund which takes about 30 days to send a check. They recommended that i just leave as the next months payment. Finally the lady said it was up to my bank to reverse it so I did that, now Mosaic charged me a {$10.00} fee. I think the fee is inappropriate especially since their delay cost me a {$35.00} late fee on my XXXX XXXX  because I was over 5 days late paying my bill as my bank account was overdrawn from the overdraft caused by the double XXXX payment Mosaic improperly charged me their lying website that should have informed that my payment was pending, not late!
Consumer complaint received 2024-07-23
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: MicroBilt / PRBC (formerly CL Verify) (OH)

By obtaining my consumer report on { Insert DATE } knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc. (FL)

I am fortunate to be a survivor of debt bondage, a form of XXXX XXXX  that coerced me into accumulating debts. Unfortunately, this has resulted in derogatory marks on my credit report. I am currently receiving invaluable assistance from a representative at the XXXX XXXX, an organization devoted to aiding XXXX XXXX XXXX Together, we are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX  upon the filing of an official claim.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX and XXXX, 4 unauthorized fraudulent wire transfers totalling in XXXX we made from my checking account. Someone impersonating chase called me on the first stating there was fraud on my account. Asked me to log in but my account was locked. They took off the lock had me look at my account and verify my purchases and verify the fraudulent transactions. They said someone was actively trying to send wires so they would send recalls/reversals to cancel the wires. They sent me a verification code and told me not to log in to my accounts jntil the next day because they were trying to catch the scammers ip address. The next day my account was locked. On XX/XX/XXXX, I checked my accounts and they had 6 transfers taking all my money out of my savings account into my checking accounts then wired from my checking accounts to out of state and out of country banks. I filed a fruad claim report and a recall file to dispute the transfer. The claim was then denied and my private bank escalated the claims to BCEG at chase. Both departments concluded that my ip address, one time code and fingerprint loging was verified and they will not do any further investigations. I offered a police report that they will not look at stating the fingerprint is enough to deny the case. The will not investigat further. They will not pull the initial phone call. I did not call chase on XX/XX/XXXX as their system says I did. I recieved a phone call on the XXXX from XXXX. Their system says I called them on the XXXX. But I recieved a call from someone impersonating chase using the fraud line phone number. That phone call is fraudulent. They will not investigate the security system being breached as my loggin was restricted and changed by an unauthorized user. The system is unsafe and chase is negligent for not investigating further. They closed the case without notice and made the funds available to the fraudulent bank account.
Consumer complaint received 2024-07-19
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-23
Product: Credit 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: CITIBANK, N.A. (NJ)

In XXXX of 2024, Got charged two with charges on my credit card, one for XXXX dollars and one for XXXX dollars. I locked the card and requested a new card. I was issued a chargeback for both charges, they recently reversed one of the two charges saying that the merchant said it was a valid purchase. The charge that was reverse was the XXXX dollar charge. The email address and phone number that were listed on the merchant copy were not my phone number or email. The charge was issued same day that I froze the card and requested a new card. As of recently I have been using the credit card strictly for gas and the charge I am disputing was not for gas. I spoke to a representative about possibly reopening the dispute but she did not sound confident or give me any any confirmation email or message about reopening the dispute. It is not a large sum of money but I do not want to pay for a purchase I did not make.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (FL)

On XX/XX/XXXX, XXXX XXXX withdrew XXXX for a product I never received, don't know anything about it. They claim that it is some kind of subscription for coupons. I am XXXX  years of age and I feel there is some kind of tactic to get people to sign up for some type of coupons. I have never received anything from this company. On XX/XX/XXXX, they withdrew another XXXX These people and their tactics need to be investigated. I am sure I am not the only person experiencing this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

I had made 2 transactions on XX/XX/XXXX worth {$29000.00} and {$10000.00} to move the money into another savings. Following that transfer, I believe my account was blocked because two transactions to transfer balance {$2000.00} left in my Marcus Goldman Sachs account were reversed and blocked by Marcus. It has now been 13 days since I had made the transfer request. I have not been able to get a straight response from the customer service. I have been told that I will receive a call from the " Special Security Case '' team and " Review '' team. All attempts have failed and this seems very suspicious from the bank to hold my hard-earned money for this long.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (WA)

I filed a previous complaint against Crown Asset Management , LLC. of XXXX, Georgia on XX/XX/year> stating the following : I received an email on XX/XX/year> regarding service of court documents. I discovered that a civil suit has been filed against me by representatives for Crown Asset Management , LLC. of XXXX, Georgia. The suit states that Crown Asset Management , LLC, a debt buyer, is seeking a judgment in the sum of {$2600.00}, plaintiffs costs, and 9 % interest per annum. The plaintiff failed to perform its due diligence as required by federal and state law. The plaintiff in violation of federal and state laws never made contact or provided any information prior to the filing of this lawsuit. I am.on my own filing a motion to dismiss. I am a XXXX XXXX  citizen and my only current income is Supplemental Security Income. I am having to file a request for a waiver of court fees. My income and assets are exempt from garnishment. 

Crown Asset Management , LLC. responded to this complaint stating within that all correspondence was sent to the consumers legal counsel, XXXX XXXX XXXX. I am filing this complaint due to the unsatisfactory response I received from Crown Asset Management , LLC. concerning an alleged debt. In their response, they claimed that all correspondence related to the debt was sent to a legal counsel who has never represented me. I did not authorize communication with this legal counsel, nor has XXXX XXXX XXXX ever been engaged as my legal counsel. 

The debt buyers failure to communicate directly with me has caused significant confusion and delays creating undue burden in resolving this matter. Their actions raise concerns about proper handling of my personal information and compliance with the Fair Debt Collection Practices Act ( FDCPA ), particularly as I was denied the opportunity to receive critical information and respond appropriately. 

A new debt buyer is generally required under the Fair Debt Collection Practices Act to ensure that they are sending correspondence to the correct person and address. Crown Asset Management , LLC. failed to perform its due diligence as required by law. 

I am requesting the CFPB to : 1. Investigate this matter to ensure that the debt buyer is compliant with all federal laws regarding debt collection practices. 
2. Require the debt buyer to communicate directly with me and provide the necessary documentation to verify this debt. 
3. Ensure that my personal information is not improperly shared with third parties without my explicit authorization.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (AZ)

I went though a Mortgage modification this year on my Mortgage. ACCOUNT # XXXX. I been paying the trail period for the Months of XXXX XXXX and XXXX. I paid XXXX too early and they canceled my Modification because I paid it too early, On XX/XX/XXXX I spoke to representative XXXX and he took the payment. For some reason Roundpoint had but in to cancel my modication because i paid it to early!! so when that happened that but a negative mark on my credit. I spoke to representative by the name of XXXX and she said it would be corrected and my Modication would still go through BUT they made a report to all three credit agencies that I was late over XXXX and they will not remove this comment. I spoke to the following representative on the following dates to correct this. XX/XX/XXXX spoke to XXXX she said it would be corrected, on XX/XX/XXXX spoke to XXXX again, she said my payment for XXXX was too early but they are working on making the correction. On XX/XX/XXXX spoke to XXXX, Om XX/XX/XXXX spoke XXXX, On XX/XX/XXXX I spoke to XXXX and he said they are working on correcting. XX/XX/XXXX spoke to XXXX, ON XX/XX/XXXX spoke to XXXX, XX/XX/XXXX XXXX opened up an disbute again. XX/XX/XXXX, spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX said the same thing. She said to not call anymore and that it should be cleared by XX/XX/XXXX. All I want is for my credit remarks to be accurate and to reflect I'm not late XXXX on my mortgage. I'm back on track now this negative reporting is affecting my life.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

I noticed this on my credit report from XX/XX/year>. I have never heard of this company or established any business with them. I don't know if this is a loan or credit card because it doesn't belong to me.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

To Whom It May Concern : XXXX am writing to dispute the following incorrect information on my credit report : 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. 
15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional XXXX years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/year>XXXX XXXX
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

The bankruptcy is over 12 years old and isnt being removed from my file. None of the three bureaus are removing it. It was filed and completed in 2002
Consumer complaint received 2023-07-13
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. (NC)

I don't have any idea about this account. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX. XXXX, XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.