davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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: JPMORGAN CHASE & CO. (TX)

Dispute of Charge for Non-Provided XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX Department, I am writing to formally dispute a charge on my Chase credit card account in the amount of {$2600.00}, which was charged by XXXX XXXX XXXX and XXXX XXXX for moving services that were never provided. 

Here are the details of my case : Initial Agreement and Payment : On XX/XX/year>, I received a total moving estimate of {$3300.00} from XXXX XXXX XXXX and XXXX XXXX for a move from one city to another. 
I made an initial payment of {$1600.00} on this date to confirm the service. 
Unexpected Price Increase : On XX/XX/year>, late in the evening, I received a call from the company informing me that the cost had increased unexpectedly. Under pressure, I paid an additional {$1000.00}, bringing the total amount paid to {$2600.00}. 
Scheduled Move and Miscommunication : On XX/XX/year>, I received an email confirming the moving schedule. 
On XX/XX/year>, I was contacted by XXXX XXXX XXXX XXXX, a representative of which demanded an additional {$12000.00} to complete the move. They threatened that I would lose the money already paid if I did not comply and used profanity during the interaction. 
The representative left without providing any moving services. 
Attempts to Resolve the Issue : I immediately contacted XXXX XXXX Moving and Storage to resolve the issue. They made various excuses, stating that the initial information provided was incorrect. 
On advice from my uncle, I contacted Chase Bank to dispute the charges, as the services were never rendered. 
False Claims by XXXX XXXX XXXXXXXX XXXX XXXX : On XX/XX/year>, I received an alert from Chase Bank indicating a balance due of {$2600.00}. 
Upon contacting Chase Bank on XX/XX/year>, I was informed that XXXX XXXX XXXX and XXXX claimed the move was completed. They falsely alleged that I had called to change the date and time of the move and had used profanity, which is entirely untrue. 
Based on the above facts, I assert that the charge of {$2600.00} is fraudulent. The moving services were never provided, and the company engaged in a bait-and-switch tactic, demanding additional funds under false pretenses. 

I request that Chase Bank reverses this charge from my account immediately and conducts a thorough investigation into this matter. Please find attached copies of all relevant documents, including the initial estimate, payment receipts, email communications, and my correspondence with XXXX XXXX XXXX XXXX XXXXXXXX. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution.
Consumer complaint received 2023-05-19
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. (CA)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX 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 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Hello, My name is XXXX XXXX. I am writing to you guys because SEQUIUM ASSET SOLUTIONS is trying to collect a debt that I do not owe. They have never verified the debt with me and I have told them I am not responsible for this debt. They are inaccurately reporting this debt to my credit report which is stopping me from acquiring a house. Please have them remove the account from my credit report as soon as possible, if not I will have to result to pursue legal action. Thank you.
Consumer complaint received 2024-07-21
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: WELLS FARGO & COMPANY (FL)

XXXX was committed against my Wells Fargo credit card on XX/XX/2024. They attempted XXXX transfers until XXXX went through for {$7500.00} to a XXXX XXXX XXXX. This transfer was authorized by Wells Fargo, and I was not notified by text, phone, or email. I did not approve or authorize this transaction. I do not have a XXXX card. I am reporting this fraud committed against me. I have been trying to resolve this problem since XXXX. Wells Fargo is not taking responsibility because they say it was done from my computer and that I was the one who made the transaction. Wells Fargo is not investigating where the XXXX address of the transaction came from. I am seeking help to resolve this problem as I am now being charged fees for not paying an account that is not mine.
Consumer complaint received 2024-07-15
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: Bridgecrest Acceptance Corporation (TX)

The unfavorable rating on my account is a source of deep concern. I'm gravely worried about its impact on my credit standing. This negative mark has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this adverse rating has inflicted and will continue to cause until resolved.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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. 


( XXXX XXXX XXXX ) 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 2024-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

mencing on or about XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether USAA Bank did not take notice of any rule, law, COMPLAINT FOR DAMAGES AND OTHER RELIEF Page 2 of 5 XX/XX/year> Page 2 of 5 or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of USAA Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether USAA Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether USAA Bank was in compliance with its own policies and procedures ; ( v ) whether USAA Bank owed duties to myself, what the scope of those duties was, and whether USAA Bank did not uphold those duties ; ( vi ) whether USAA Banks conduct was unfair ; and ( vii ) whether USAA Bank has within its power the ability to, and should, compensate
Consumer complaint received 2024-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX I applied for a new policy for my home insurance. That policy would be effective XX/XX/XXXX through XX/XX/XXXX. The mortgage company used my escrow to pay XXXX  ' Insurance ( POLICY NUMBER : XXXX Effective Date : XX/XX/XXXX Expiration Date : XX/XX/XXXX ). in XX/XX/XXXX I checked my escrow and saw that the mortgage company paid another homeowner insurance because they didn't see that my house was insured. Now I end up paying XXXX insurances for the same house. 
I called the mortgage company which is XXXX XXXX, and the customer service that I spoke to told me my policy with XXXX XXXX XXXX was canceled. She can't tell me what happened to the money that the mortgage company paid XXXX. When I contacted XXXX, they said " No my insurance is valid until XX/XX/XXXX ''. XXXX customer service gave me an email to send a letter to prove that I have insurance but can not provide the telephone number because they don't speak to clients, just by email. It's doubtful, it is a scam. XXXX XXXX XXXX is charging an extra {$XXXX} monthly to cover the shortage for the XXXX insurance. That is really a scam, fraud by a mortgage company.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

I was a patient in a hospital. I was in and out of consciousness for an extended period of time. Roughly XXXX and XXXX years. My sister got ahold of my debit card and withdrew $ XXXX, mostly from ATMs. This started in late XX/XX/2023. She used my debit card to pay for plane tickets, luggage, her motels, as well as using the ATMs. 
Wells Fargo bank has done nothing to help me out. I've had XXXX meetings with them, and they still refuse to do anything. They OK 'd a POA that I didn't sign. I couldn't sign it because I was not in any state of mind to do so.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This credit card debt is past statue limitation in Georgia, I never had any contact with this company, I just heard about this debt in XX/XX/2024 Portofolio Recover ( XXXX XXXXXXXX ) XXXX XXXX {$5800.00} They are suing me in court for an old debt
Consumer complaint received 2024-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (TN)

XXXXXXXX XXXX sold my loan to Freedom Mortgage. On XX/XX/XXXX I sent an electronic check via XXXX XXXX XXXXXXXX XXXX pay to XXXX XXXX as I had not received a welcome letter. On the XXXX of XXXX via XXXX I received a welcome letter from Freedom Mortgage dated XX/XX/XXXX, but not received till the XXXX. I checked my bank and XXXX XXXXXXXX had taken my payment. I spoke with several agents via text as they are not available by phone unless you have a valid account with them. Finally I got an agent through text XXXX who gave me a tracking number and check that they cut and sent to Freedom Mortgage overnight via FedEx. I contacted Freedom Mortgage 4 times. Twice I was hung up on. I have provided the text screen shot AND emailed them the tracking number from XXXX. They simply stated I must provide them with a copy front and back of the check. Since I didnt cut the check and XXXX did I have no access to do this. XXXX will not provide this too me. This is unacceptable behavior from both companies.
Consumer complaint received 2024-06-28
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. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC (AZ)

I am filing a complaint against Carmichael and Frost for repeatedly harassing me regarding a debt, despite my clear cease and desist request. Below are the details of the violations : 1. **Nature of the Violation** : Repeated and persistent harassment via text messages regarding the disposition of collateral and enforcement of liens, despite my explicit request to stop all communications about this debt. 

2. **Frequency and Duration** : The harassment has been ongoing, with multiple instances of contact after my cease and desist request. 

3. **Circumstances** : On XX/XX/year>, I sent a cease and desist letter to Carmichael and Frost, requesting them to stop contacting me about the debt. Despite this, they continued to send threatening messages. 

4. **Specific Dates** : - XXXX XXXX, XXXX : I sent a cease and desist letter to Carmichael and Frost. 
- XXXX XXXX, XXXX  ( XXXX XXXX  ) ** : I received a text message from Carmichael and Frost stating that they were proceeding with the Disposition of Collateral process and advising me to retrieve my belongings. 
- XXXX XXXX, 2024 ( subsequent message ) ** : I responded with " Stop '' and " Do not contact me again, '' to which they replied, " Unfortunately we must proceed. '' - XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ** : I received another text message from Carmichael and Frost stating that their legal team had reached out to the Department of Labor and were enforcing liens against me per Article 9 of the Uniform Commercial Code. They threatened to attach my bank account and garnish wages until the client 's balance was fully liquidated. 

These repeated contacts and threats of legal action and wage garnishment, despite my cease and desist request, constitute harassment and are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I request immediate action to address this issue and ensure that Carmichael and Frost cease all communications with me regarding this debt.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I am filing a complaint against LVNV Funding LLC for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from LVNV Funding LLC regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with LVNV Funding LLC. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that LVNV Funding LLC had the legal right to collect the debt. 

Despite my request, LVNV Funding LLC failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt.

Furthermore, LVNV Funding LLC did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations.

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that LVNV Funding LLC immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law.

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (MD)

I have received a collection from southwest credit systems involving a XXXX account but I have never had a t-mobile account or any phone from XXXX XXXX my information was involved in a data breach in XXXX XXXX XXXXXXXX ) and I have had multiple unknown inquiries and attempts to open accounts without my authorization. This is not my account please delete from my credit profile immediately!
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - NA Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX Employer - XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

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. 
XXXX XXXX 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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).