davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (IN)

I went to XXXX  from XX/XX/XXXX to XX/XX/XXXX. I seen on my credit report that was a collection of {$1400.00} from a collection agency named Vance & Huffman LLC account XXXX XXXXXXXX. The original creditor is XXXX. I reached out to them and told them I never took out a loan from that creditor. I don't even know that company at all. So I went on line and disputed it and it come back and said that the name and the I formation was correct. I want it off my credit report. I was in XXXX at that time. I can send in my release dage papers. Please help me. Thanks XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have tried unsuccessfully for 2 1/2 months to have Wells Fargo investigate my fraudulent charges and disputes. They refuse to put things in writing. I am an American with XXXX. They keep dodging me. They refused to return phone calls they keep asking for additional documentation there stalling Ive asked again to finalize this claim I have XXXX I am XXXX and I want this resolved before I XXXX so its not left for my children.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My wife and I have a joint checking account with Chase Bank. 

On XX/XX/XXXX, I did a private sale of my XXXX XXXX for {$11000.00} ( transfer copy of title available ). The buyer settled this amount by making a part payment of {$3500.00} by XXXX and the balance in multiple {$20.00} bills. I then proceeded to deposit {$7500.00} into the ATM drive thru of the same branch where we have our bank account. As there were multiple {$20.00} dollar bills in cash, I made several deposits to complete my transaction.

Unfortunately at the end when the
Chase receipt was printed, it missed two of the deposits for {$1100.00} and {$720.00}. I have proof of
the Chase receipt issued and pictures of all the deposits taken on the phone.

Having realized that these two credits were missing, I reported this to Chase Bank as soon as I reached home and claim number XXXX was created the same day i.e. XXXX XXXX. I have been following up my case with Chase Bank ever since but they have denied my claim despite having submitted all the proof. 
I have my bank statement which shows all these credits on XX/XX/XXXX and also the two debits on XX/XX/XXXX ( for {$1100.00} and {$720.00} ) as the bank claims that they could not locate my money in the ATM. 
As I was not getting any resolution on my case with Chase Bank, I registered case # XXXX with XXXX Police Department to seek their assistance.

Unfortunately, its been over 2.5 months since I have been running after my money but I have had no resolution and Chase Bank has told me that they have closed the case.

Can you please help recover this money which rightfully belongs to me.

Thanks
Consumer complaint received 2024-08-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (AZ)

In XX/XX/XXXX I struggled with my credit cards and loans debt ( health problems and medical bills ) and decided to be enrolled in a debt consolidation program with Freedom Debt Relief. I was told and explained that if I signed the agreement I don't need to worry about paying each creditor separately. I just pay around $ XXXX monthly. The company will take care of my payments to the creditors and will negotiate lowering the debts. 
I signed a contract that my debts of an estimated amount of {$26.00} XXXX will be reduced to about {$20.00} XXXX to be paid : {$14.00} XXXX program settlement amount, {$6000.00} company 's fees and around {$6000.00} savings amount. The company negotiated with creditors and I signed all the negotiators ' contracts. Unfortunately I was not aware and not informed by FDR that they didn't take care of my monthly payments for several months. Later on I found out that my credit score went drastically down because there were 32 late payments reported in my credit report. 
Meanwhile I was informed by XXXX XXXX from FDR that I have to take out a loan and from now on make payments to XXXX XXXX company if I want to continue the program. I happened to figure out that XXXX XXXX  is a sister company of Freedom Debt Relief. In XX/XX/XXXX I was not informed about taking a loan and paying extra money. 
By XXXX I started to research and calculated that I have already made payments in total of almost {$18.00} XXXX but XXXX XXXX was expecting me to pay additional {$15.00} XXXX which would make a total of {$31.00} XXXX instead of around {$20.00} XXXX that was clearly stated in the contract. I called FDR and XXXX XXXX agents several times trying to negotiate the amount I owed but without positive outcome. During the Covid time I was still making smaller payments until I decided to stop payments thinking about a written contract and agreement with FRD.I refused to pay additional {$15000.00}. They were harassing me with the calls regarding payments and finally on XX/XX/XXXX my case was passed to the Collection Agency that reported me again to the Credit Buro and my credit score went down again. 
Here is my complain : 1 ) Freedom Debt Relief company ruined totally my credit history and score 2 ) FDR was dishonest with me and broke the contract that stated estimated total payment of {$20.00} XXXX instead of {$31000.00} 3 ) FDR forced me to take a loan from their sister company XXXX XXXX 4 ) A lot of fees I had to pay to both agencies
Consumer complaint received 2024-10-25
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-22
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I would like for XXXX Experian and XXXX to stop sharing my nonpublic personal information. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MO)

My auto deposit payroll check for XX/XX/XXXX, was returned and XXXX notified me my checking account was closed. I went to US Bank and they said I was mail notification a month ago. Account closed and checks mail. I made an appointment to see branch manager. She told me it was closed and they had no posted reason. Checks were mailed and if I did not receive I could request them after XX/XX/XXXX. It was 2 checking account with $ XXXX in them. I have not received checks from the closed accounts. They closed them on XX/XX/XXXX. It is XX/XX/XXXX. It has caused my utilities to bounce and my XXXX XXXX to be suspended. No reason given have had an account for over 20 years and my saving two accounts are still open I have internet banking with them no notic on it just XXXX checking accounts gone no record these were good accounts with lots of perks.
Consumer complaint received 2024-10-27
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. (MI)

Ive been a victim of identity theft. I have fraudulent accounts on my credit report. I am not liable for this debt. Im attaching my drivers license, my social security card, and my identity theft report. 

XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Subject : Urgent Assistance Needed : Account Restrictions and Fund Access Issues with Chase Bank Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding my account with Chase Bank, which has been restricted following a deposit of {$55000.00} on XX/XX/year>. On XX/XX/XXXX, I received an email stating that my account may be closed to protect against fraud. This is particularly concerning as I have previously made similar deposits from the same owner {$37000.00} two weeks ago and {$25000.00} a couple of months priorboth of which cleared without issues. 

Chases fraud department informed me that the restriction is due to their inability to verify the owner 's phone number through the XXXX program. Despite both the owner and I visiting the local branch and providing proof of identity, Chase has stated they can not help further ; the issue must go through XXXX. 

Currently, I have {$16000.00} in the account, which I am unable to access. This restriction is severely impacting my ability to purchase materials and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Without these funds, XXXX XXXX and I face significant financial hardship. 

I have read about similar experiences others have had with Chase, leading me to believe this may be a systemic issue. I fear that if my account is closed, I may never see these funds again. 

I appreciate your attention to this matter and hope for your guidance on how to resolve this issue promptly. 

Thank you for your time. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NV)

On XXXX XXXX I made a {$2000.00} payment. The website glitched and my payment was not posted. I called in to let them know and wanted them to adjust my interest since it was discovers website that malfunctioned.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (CT)

I applied for a credit builder loan of {$990.00} on XXXX XX/XX/year> and cleared the loan on XXXX XX/XX/year> and another one of {$440.00} XX/XX/XXXX and I successfully paid all payments but they refused to payout as agreed asking for additional documents which I have submitted severally
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc. (PA)

On the week ending XX/XX/2023 I was pre approved for an Avant credit card. They had to verify my email address as part of the approval, I never received their email. I called the XXXX cust. service MULTIPLE times, and they kept saying " it's your computer ''. No it isnt!! I am receiving emails just FINE!! One of them said that they had an old email address of mine that has been gone for at least 5 years now!! I told them that their " I T '' dept is negligent in not changing me email address to the new one. It keeps defaulting back to the old email and that is why I can not receive an email from them!! Those " kids '' have no clue at all about how computers work!! 

I only have so much time to finish the application process, but they do not know what they are doing at all!! 
And they said MULTIPLE times that they escalated this issue to their supposed corporate office and they would call me, THEY NEVER CALLED ME! They should have had someone from there for me to speak to when I called.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I received two payments on Venmo from my neighbor. I called and texted her to find out what they were. She requested them back and I sent them. She was the subject of a scam but I did not know that. The payments were from her mother and herself. The money that I sent back to her at her request was stolen from her. Venmo recommended to her that she dispute the transaction at her bank. She followed their advice and both her and her mother disputed the transaction with their respectives banks. The banks initiated an investigation into each of the payments returned from MY account, not the scam or fraudulent activity. Venmo froze my account. On a customer service call, Venmo told both my neighbor and I that there was nothing they could do and the investigation was the banks ' responsibility. On behalf of the banks, Venmo requested evidence. I provided a series of text messages showing that I had no knowledge of the transactions, had asked my neighbor what happened and she had requested that I return the funds to her. On the basis of the same exact evidence, one bank resolved the investigation acknowledging I did not request the payment, and one bank decided otherwise. That bank charged me {$2500.00}. Venmo is requesting that I pay the full amount. They froze my account but allowed a payment of {$69.00} to go through from another individual and then credited the payment to my " debt. '' They will not allow me to request an investigation or dispute the charge. Venmo acknowledged this type of scam happens regularly but they refused to carry out their own investigation. Venmo has charged me thousands of dollars for a transaction that was initiated by someone else. No sale was made. No product exchanged. There is clear evidence of this. However, Venmo will not act in the interest of protecting their customers.
Consumer complaint received 2024-07-09
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. (NJ)

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. I demand immediate and decisive action to correct these violations. 

XXXX  XXXX XXXX*and XXXX  XXXX XXXX.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUSSRQ Holdings, LLC (VA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

account # 46 original creditor XXXX Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 to be removed/updated. 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. 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!