davidheineman/consumer-finance-complaints-large huggingface dataset:
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: JPMORGAN CHASE & CO. (FL)

Subject : FTC Report : Dispute of Fraudulent Account Dear CFPB I hope this message finds you well. I am writing to report a fraudulent account that recently appeared on my XXXX credit report. The account in question, identified by JPMCB acc # XXXX, purportedly opened in XX/XX/year>. However, I was completely unaware of its existence until it surfaced as delinquent earlier this year. This account appeared unexpectedly and without any prior notice on my credit history. I strongly believe that this account is a result of identity theft, and I am a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. According to FCRA Section 611, upon investigation, if it is determined that information is inaccurate or can not be verified, the credit reporting agency must promptly remove or correct it. 

I have already filed a report with the FTC regarding this matter and have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Enclosed with this letter are copies of my identification, Social Security card, FTC report, and CFPB complaint for your reference and to assist in the verification process. 

I kindly request your immediate assistance in thoroughly investigating this matter in accordance with FCRA guidelines. Please advise on the necessary steps to promptly remove this fraudulent account from my credit report and prevent any further impact on my credit standing. You can reach me at ph # XXXX or XXXX for any additional information needed
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Around the XXXX of XXXX, XXXX, approximately {$34000.00} was fraudulently wired from my chase checking account. On XX/XX/XXXX I received a call from ( XXXX ) XXXX that purported to be chase fraud, asking for my cooperation to reverse these wire transfers. I followed their instructions & by so doing, my bank is taking the position that I verified wire transfers to be sent to 10 people with XXXX XXXX accounts. 

My bank has all the information available, including account numbers from XXXX XXXX used to receive these funds & I believe tracking numbers for the devices used to commit these fraudulent transfers. My bank did not ask for 2 factor authentication or other steps to prevent this serious wire fraud. 

Please help me find & prosecute these scammers/hackers, as well as try to recover my money from XXXX XXXX XXXX Chase.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (VA)

Subject : Request for Assistance with XXXX  to XXXX  Migration Issue Dear Sir/Madam, I am writing to seek your assistance regarding an issue with the recent migration of XXXX  ( XXXX  ) to XXXX  ( XXXX  ). 
According to the instructions issued on XXXX 's website on XX/XX/year> ( source : XXXX XXXX XXXX ), all XXXX coin holders were to be airdropped with an equivalent amount of XXXX  tokens. However, only those holding XXXX on or before XX/XX/year>, are eligible for this airdrop. XXXX holders who purchased the coin after this migration snapshot date will not have their XXXX  converted to XXXX, and XXXX will eventually be deprecated. 
Unfortunately, I purchased XXXX after the migration date, unaware of these changes. Kraken did not notify its users about the migration and deprecation. Upon contacting Kraken, I was informed that they do not support this migration and will not provide XXXX  to current XXXX  holders. Furthermore, they indicated that XXXX would be delisted eventually. This oversight from both the exchange and XXXX, who failed to ensure that exchanges ceased trading post-snapshot date, has left me in a difficult position. 
I have invested over {$4000.00} in XXXX  and have filed a complaint with Kraken. However, there has been no resolution, and they maintain that only holders before XX/XX/XXXX are eligible for the exchange to XXXX. 
I kindly request your assistance in resolving this matter and recovering my funds. 
Thank you for your understanding and support. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$1000.00}.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to 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 remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete 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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Management Services, Inc. (UT)

This information should be appended to the closed CFPB complaint XXXX. 

On XX/XX/year>, American Management Services received an updated address on where to send verification of any and all debts in their office. The only thing that has been received is a debt validation letter claiming a balance owed to XXXX XXXX. There is no balance owed to XXXX XXXX. 

On XX/XX/year>, American Management Services was requested to provide verification of any and all debts to the email XXXX. They claim that they have provided the verification of any and all alleged debts in their office, but no documentation has been provided. 

This debt has not been proven to be owed and I have documentation from XXXX XXXX that prove there is no debt owed. I dont know how this balance they have in their office has been accumulated and they have not provided any proof but have damaged my character and reputation by using unfair, deceptive an abusive practices which has resulted in me not being able to obtain credit. In addition to defamation of character, they have harassed me for a balance that is not owed which they on several occasions have been advised of. In their own words, they have placed telephone calls without meaningful disclosure and caused my telephone to ring with the intent to annoy, abuse or harass. These actions are blatant violations of the Fair Debt Collection Practices Act. 

I am requesting, through this CFPB portal, that any and all documentation regarding this alleged debt be uploaded so that I may review it and provide documentation disputing any and all alleged balances owed to XXXX XXXX and American Management Services , Inc .
Consumer complaint received 2024-07-18
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: GOLDMAN SACHS BANK USA (UT)

I am submitting a complaint regarding a dispute filed with Apple Card concerning a transaction with XXXX. I purchased a machine from XXXX, but the software consistently malfunctions despite numerous attempts to resolve the issue with them. Apple Card 's decision to side with XXXX was unjust, as they claimed I had agreed to the merchant 's unspecified terms and conditions. However, Apple 's decision lacked clarity and failed to specify which terms and conditions I supposedly agreed to, which were not adequately disclosed at the time of purchase. As a result, I am left with a defective machine that XXXX refuses to support, despite their advertised warranty of up to 2 years on their website. This situation has caused significant financial and operational disruption, and I believe Apple Card 's decision overlooks my rights as a consumer under fair dispute resolution practices. I have diligently attempted to resolve this matter directly with both Apple Card and XXXX to no avail, and I now seek the CFPB 's assistance in achieving a fair resolution to this dispute. 

I have filed the dispute twice with Apple Card and both time they didn't resolve in my favor. I have contacted XXXX customer service multiple times and they couldn't resolved the defect. When asked to return the machine, XXXX refused. Apple Card looked at the case lightly and always responded " Please resolve with merchant '' even though I have submitted numerous evidence that couldn't resolve with the customer service. Apple Card also did not provide any explanation to why they close the dispute. This is lack of transparency and also violating consumer rights. 

Claim Number to Apple Card ( Goldman Sachs ) : XXXX Thank you for your attention to this matter. I am prepared to provide any necessary documentation and details to support my complaint.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Reference Case number : XXXX Account number ending in:XXXX Closed Charged off. I received a letter dated XXXX XXXX, 2022 from Wells Fargo XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( Wells Fargo ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call Wells Fargo at XXXX, I spoke with XXXX XXXX Wells Fargo customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. Wells Fargo incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my Credit History. I believe that I am entitled to relief, for each Bureau ( consumer reporting agency ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of XXXX Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to XXXX  ( XXXX XXXX XXXX  ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against Wells Fargo and satisfy the open invoice as it relates to my research of this claim.Both Wells Fargo & Company along with XXXX XXXX XXXX XXXX XXXX ) have violated my rights- In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I applied for the Apple Credit Card on XX/XX/year> because they have a program to buy a computer on monthly installments for 0 % interest if you have the card. I was approved for a credit limit of {$4500.00}. On XX/XX/year>, I went to purchase the computer online using the installment plan, and the transaction was declined. I tried once more on a different device, and it was declined again. I contacted Goldman Sachs ( the bank that oversees the Apple Card ) and was told I would need to buy the computer flat out with the Apple Card ( which, according to the Cardholder Agreement, would subject me to the interest rate of 27+ % ), then they would convert it to an installment plan with 0 % interest. I shared I am not comfortable with that as a resolution because they are only communicating this verbally and that does not line up with the written agreements of Goldman Sachs nor the written policies of Apple. They shared that if I did this process, I would not be able to make payments in advance. They shared they can escalate it to Tier 3 support, but the resolution would take several days.
Consumer complaint received 2021-03-10
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: Penn Credit Corporation (PA)

On XX/XX/XXXX, PENN CREDIT CORPORAT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXXENN CREDIT CORPORAT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXXS is not mine ; I am not responsible for this account, I am a victim of ID theft. People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just recently looked at my credit report XX/XX/XXXX from transunion credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also again XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB Department, I am writing to formally lodge a complaint related to an incident of scam and potential identity theft involving my company, XXXX XXXX  XXXX XXXX XXXX XXXX, registered in the state of XXXX. Our business is located at XXXX XXXX XXXX  XXXX, XXXX, TX XXXX, under the ownership of XXXX XXXX XXXX XXXX. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided services to XXXX XXXX, situated at XXXX XXXX XXXX, XXXX, TX XXXX. The payment for these services, totaling {$2000.00}, was received via a check which was electronically deposited using the J.P. Morgan Chase Bank mobile app, without issue. Regrettably, I inadvertently left the physical check in one of our work vehicles and failed to destroy it. 

Subsequently, on XX/XX/year>, an unidentified individual deposited this check into a different account not affiliated with my company. According to information provided by Chase Bank, XXXX  XXXX XXXX processed this transaction. Upon discovery, XXXX XXXX promptly voided the check, leading to the withdrawal of funds from my company 's account and their return. However, both XXXX  XXXX XXXX and Chase Bank have declined to assume responsibility for the re-negotiation of a previously processed check, which was exclusively issued in the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Compounding the issue, XXXX XXXX ' owner mistakenly believes that I, or my company, attempted to defraud him. He finds it implausible that someone else could deposit the check he had already voided. This banking error has not only caused financial repercussions but has also tarnished the reputation and credibility of my business. 

I request your assistance in thoroughly investigating this matter, which I firmly believe reflects misconduct on the part of banking institutions. The failure to hold accountable those who unlawfully cashed the voided check is concerning and requires prompt resolution. I possess evidence supporting my claims and look forward to your response. 

Thank you for your attention to this issue. I trust that the details provided have conveyed the nature of my complaint clearly. 
The XXXX entities want me to resolve with the issuer of the check! when it is an exclusive mistake of theirs for negotiating a check twice and to a different recipient. 
Yours sincerely, [ XXXX XXXX ] [ owner XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

Hello I am officially submitting a complaint against XXXX. The reason for my complaint is theyre now knowingly reporting fraudulent accounts to my credit profile. They removed the accounts and reported it back. I informed them via mail on XX/XX/year>, XX/XX/year> and also XX/XX/year> in which this date they claim the never received. In the letters, in detail I included all information needed to have any fraudulent accounts removed. I included a Police report from my local police department along with the investigating officers information. I also included an Identity Theft Report from the Federal Trade Commission. I'm going to attach those documents here as well. 

Fraudulent Accounts : XXXX XXXX- account number XXXX XXXX. US DEPARTMENT OF EDU- account number XXXX
Consumer complaint received 2023-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: AXOS FINANCIAL, INC. (PA)

On XX/XX/XXXX we received in the mail a " Notice of Dormant Account '' from Axos Bank. We were baffled since we have a 60-month CD account maturing on XX/XX/XXXX with the bank. We tried to log-in to our online account and were locked out. We called Customer Service around XXXX and spoke to " XXXX ''. After a lengthy verification process and several times on hold, XXXX stated the following. " Since we did not make a deposit or withdrawal in the past two years, the account has been rendered Dormant and he threatened to hand the funds over to the State as a dormant account if we don't make a deposit to the account. We informed him that it was a 60-month CD with no such requirements, this is tantamount to blackmail, unethical and illegal practice. We are not obligated to make deposits to this account. We have over {$110000.00} in that account and we have various CDs with many other banks. And we never received such a demand or letter of this nature. Further, we have been with the bank for many years and never received a letter like this. When we addressed the fact that we are unable to log-in to our account and we asked XXXX to unlock or reset the password for the account and/or set up the password and send it to our email or to our home phone, he refused to do so and demanded that I take a picture of my driver 's license and another picture of me holding my driver 's license and email it to him. This is unacceptable since we have been fully verified. We believe this is a deliberate act to force us to make deposits and threatening us to hand over our account to the State. This is a form of fraud and/or a scam and should be fully investigated and hold the bank accountable for such unethical and illegal practices. Our phone conversation with XXXX is recorded, please listen to it. At this point our account is locked, held hostage by Axos Bank and we do not have access to our money. We asked to speak to a manager and XXXX said he would be calling us in 24-48 hours or longer, we have not heard from anyone. I urge you to fully investigate this matter. My husband, XXXX, participated in the conversation and XXXX XXXX XXXX XXXX XXXX XXXX prior to losing his XXXX. He did XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and was alarmed by their actions.