davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TN)

Hello. As referenced in the FBI report, the individual, who goes by the name of XXXX XXXX, contact number XXXX, operated through fraudulent means to steal {$9000.00} from my XXXXXXXX XXXX Account and into his business Chase Bank Account by using a company called XXXX XXXX XXXX to claim he would serve as a third party to deliver legal services for me for three cases attached to this email by paying upfront for the paperwork and then he would provide the service. He first contacted me on XX/XX/year>, after I posted an ad on XXXX for legal representation for some cases. 

After looking at all the finished documents he told me he filed, I later found out he did not file any of the cases attached with the court. Through my investigation, I discovered almost nothing about him or what he told me he did regarding my case is accurate except maybe the citations for the laws broken in my case scenarios. However, that still needs to be verified by a licensed attorney. Almost everything else, from the law firm to the Attorney that he said represents me, XXXX XXXX, was made up. Once I contacted the Attorney at XXXX, he told me he does not know any individual by the name of XXXX XXXX or the business. 

Every individual or business who I contacted to verify if they know XXXX XXXX from work employment verifications and potential co-workers specifically let me know that they do not know him. I called the clerk 's office to verify if the money I paid him to file the Civil courts on my case was filed in the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and they told me that they have nothing on record filed with the court for me. Almost Everything XXXX XXXX told me to convince me he is an attorney has been proven to be false. 

Based on my own Private investigation, which I have done through a Service, his business is not licensed anywhere in America, nor is his name coming up on any database. This means he opened his bank accounts through fraudulent means or using someone else 's bank account, which is not legal. I've attached all my supporting documents for you. 

I have pleaded and asked the recipient Chase Bank to reveal the true identity of the account of the individual who stole my money and they refuse to reimburse my account or reveal the identity of the imposter. No one has done anything yet to retrieve my funds. PLEASE help. 

Imposter website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My contact information XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX ( please see attachments ) This account attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Experian is still reporting this inaccuracy to my credit profile. 
Please see attachments that I sent in last month with the FTC report and Police Report. I expect this account to be updated and removed from Experian within XXXX hours. 
Thank you
Consumer complaint received 2024-09-02
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. (CT)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

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 four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

My father passed and left me as beneficiary of his checking account through Chase bank branch in XXXX XXXX XXXX, AZ. I was called by the banker ( XXXX ) today ( XX/XX/year> ) to schedule an appointment to sign documents at which point I stated I want cash. XXXX advised me his supervisor ( XXXX who is the operations manager ) said the money would have to be in the form of a cashiers check. I responded with ok, I will take a cashiers check and take it to the teller window and cash it. XXXX puts me on hold briefly. He states I can't cash the check right away because the bank wont have the money to honor the check. XXXX the operations manager wants me to accept a cashiers but not be able to cash it. So Chase bank is ok with writing a felonious check that they know they can't honor. I told XXXX to have XXXX order the money so I can cash my check at the time I receive it. This is when I called CFPB.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure one hundred percent accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEM Address : 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 Dear MIDLAND CREDIT MANAGEM I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-05
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Commencing on or about XXXX XX/XX/year>, I felt a victim to a scam operation orchestrated by XXXX XXXX. I was looking for a job, and I was in couple of groups. My job description was to buy products to make more traffic for the website. They told me that I need to send them the funds via crypto platforms, and I was unfamiliar with that and had zero experience when it comes to using crypto. 
I wouldve never sent the funds if I knew that there is a possibility that this could happen. I was just looking for a job and wanted to earn money for my future, so I was unaware that these types of scams even existed. 

Money was sent from my Capital One account, and through an intermediary XXXX in the total amount of XXXX USD.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Block, Inc. (MN)

I apologize in advance if I didn't categorize this quite correctly - I couldn't find a great fit for the complaint. That said, I see that XXXX  companies were regulated to provide some buyer protections recently. I recently bought something online using Afterpay- the product was faulty and I was in touch with the company directly. This dragged on for two weeks with them refusing to ship the item back to them even though their website states they will cover shipping for faulty products. After two weeks emailing I tried to call this company - the phone number they list does not actually work. After realizing they were not going to help me I reached out to Afterpay, informing them of the issue and telling them they should look further into the vendor as they have lots of negative reviews, fake XXXX XXXX, fake phone number, and asking them to help me so I don't have to pay for a faulty product. They told me multiple times to reach out to the merchant. I emailed with them for another week or so and after telling them they need to pause payments and investigate the issue per CFPB they said it was thoroughly investigated and not to reach back out about it. I am positive this is not the case or they would have realized the company may be a scam, and seen that the merchant will not honor what their website states. I should have done my research to realize XXXX is far inferior in protections to a credit card and feel that if they are going to continue on they should be held to a higher standard of buyer protection.
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan motor acceptance is violating both FDCPA and FCRA laws. Nissan motor is trying to illegally and fraudulently collect debt on an already paid in full and closed account. They illegally and fraudulently sold my car loan to XXXX XXXX XXXX despite numerous recorded phone calls from myself and my family, where we are instructing Nissan to cease and desist all communication with XXXX XXXX XXXX, and that they did not have our permission to engage in any third-party business or to disclose our information. Nissan gave the incorrect payoff amount to XXXX XXXX XXXX, and now they are coming after me and reporting me late on a closed account if Nissan wants this resolved, they shouldve followed the laws and follow their consumers instructions to cease and desist all communication with XXXX XXXX not accept any payment from them and do not disclose our personal account information with an unauthorized third-party we made numerous calls from XXXX to XXXX begging them to stop. Nissan can simply fix this by refunding XXXX XXXX XXXX and revoking the the title that they gave away to XXXX XXXX XXXX and reopening our account. 

After this complaint, I will also file a complaint with the FDIC
Consumer complaint received 2024-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

I am writing to express my concern regarding the freezing of my Chase account on XX/XX/XXXX. I have not engaged in any activity that would warrant this action, yet my account has been frozen with no explanation provided. I have reached out to your support team, and I was informed that I would need to wait 30 days for access to my account or funds to be restored. 

This situation is causing significant financial hardship, as I have important bills and obligations that require immediate payment. I kindly request a prompt review of my account and further clarification on the reasons behind this freeze, as well as any steps I can take to expedite the resolution. 

Your assistance in this matter would be greatly appreciated.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OK)

Comenity Bank called me every day or every other day for a few months. I had told them I would call them back when I could pay and they continued to call and tell me they would be sending it to their legal department if I dont call them back immediately. They continued this after I told them I just had a baby and wasnt working so I was unable to make payments.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Third Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP. 
Sincerely, XXXX
Consumer complaint received 2024-09-02
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. (MA)

I recently reviewed my credit report and observed an account that was not reporting accurately. I was paid on time for an account that had three late payments. The consumer reporting agencies are required to report all information with the utmost precision. I have attached a copy of my report to this company covering the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All payments were made on time, and this account was not late. I am now requesting that you investigate this account and promptly update these payments to reflect timely payment immediately. The XXXX credit report for the account is enclosed, which demonstrates the inaccuracy of your report. Your prompt action and comprehension are greatly appreciated.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

After signing in to the Transunion web site I am unable to access any of my information or file a dispute. Someone is using my Identity to apply for credit using the phone number XXXX in XXXX Tx. The area code XXXX is not a valid area code and is known to be used for fraud purposes. There is an inquiry from XXXX XXXX XXXX  on XX/XX/year> that I did not initiate and would like to have deleted from my report. I contacted XXXX directly an was told they have no record of the inquiry an to contact the credit reporting agency directly. As I can not dispute this on line because of not being able to access my credit report or file a dispute online or anything else except to sign in, I attempted to do this by phone. Having called five times and spent over eight hours on the phone without any resolution and being put on hold several times, disconnected and transferred back to the start I have still been unable to access the web or have my credit report corrected.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had a chase account in a negative {$5.00} balance and I called chase and let them know and they told me to go to the bank and pay the {$5.00} fee so my account can be opened up again. I went to the bank and payed the fee, my account was open, so Im thinking its a smooth sailing but they ended up restricting my account the next day where I couldnt log in. Went to the bank the second time with all my verified documents because I thought maybe since it hasnt been used in a while they think its someone else. Got my documents verified and my account was open up back again. Same thing happened the next day, so I got fed up and went to the bank because it was getting out of hand then they tried to open it back up but idk what was said on the phone but they told them that works there that they can open it up so I told them how there must be a reason? Theres a reason for everything. They told me chase has a thing in there agreement stating they have the right to close your account basically with no reason. So they told me that a letter would come in the mail STATING the REASON why it was closed off and whatever funds on my account will be issued to me as a check. So I havent received any letter up till this day its been 2 months and I check my mailbox everyday and there was nothing except a check and a ketter just saying your account was closed and the funds will be issued as a check. So I called them up today and I explained to the lady if thats the case you guys have to let your customers know in person as well because Im not gon na sit here and lie I didnt read the agreement but its a bunch of paperwork. So I told the lady that why are your employees telling me that there will be a reason in the mail and Im being told something different and I find it really unfair and I felt like it should be brought up to a higher up or someone that can reach out to them because I dont want nobody in the same position that I went through and next time they need to be clear about what they say and not be assbackwards. I told the lady thank you for the information but doesnt know that I will be reporting them.
Consumer complaint received 2024-09-02
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. (SC)

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.

1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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. 1681 c ( 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 7 years, 15 U. S.C. 1681 s-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.