davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> i had a debit card charged in another state, then I had XXXX wire transfers from my checking to my unknown persons. First they made multiple calls and transfered from my savings to my checking then it appears they changed my personal information ( phone number ect ) and then via online wire transfered. It was XXXX seperate wire transfers XXXX and XXXX. I've asked for transcripts or if they pulled the transcripts but said no they don't do that. I was provided with multiple faxes to send my police report and proof that my ip address was leaked which I have but they report they haven't gotten them even though I've repeatedly have sent it to them. They report verbally that it's because I used an ip address prior so that's why I need that proof but have gotten the run a round with getting them proof. A another branch also sent it in but conveniently they didn't receive it. Also, when I'm on the phone with claims somehow I always get transfer ( or call is ended ) to someone that don't understand what is happening because the claim is closed and they give me another number for claims to call. I've also asked for information on when my personal information was changed but they reported that is not an option. This is terrible. I also learned i was a victim in the recent release of information attack so it's possible that's where all my personal information was leaked and used in this very sophisticated scam.
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (FL)

I was the victim of identity theft a few years ago since I lost my documents and those of my partner. As a result, they stole the information of both and used it to rent an apartment. Debt that now affects both of us. The National Credit Systems collection agency is trying to collect these debts and they send me constant letters. I have called to report it as a fraud but I have not obtained good results.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WSFS FINANCIAL CORPORATION (PA)

WSFS Bank has continually leaked my personal credit to secondary market and consumer loan companies after applying for a business line of credit. This has happened 4 times now in the last year.

WSFS has either an internal technology leak ( hacked ) or an internal employee is getting paid by a 3rd party to share customers information illegally.

WSFS has been made aware of their internal problem and denies they have an issue. I've discussed with our business banker and the loan/mortgage department multiple times and they claim this " happens ''. We have not had this issue with any of our other business banks over the last 20 years.

I wanted this to be put on record so other consumers are aware that WSFS will share their personal information to the open market without consent.
Consumer complaint received 2024-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

I am writing to dispute a fraudulent account that is being reported by HOLLOWAY CREDIT SOLUTIONS on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that HOLLOWAY CREDIT SOLUTIONS cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft repor. Please provide confirmation that this account will be removed from my credit report.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 
These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. 
IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.com
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

I am filing a complaint against my student loan servicer, Mohela. 
In XXXX, there was a transition of their online system. After XXXX, I noticed in my credit report that my loans had been duplicated, stating that I have {$830.00}, XXXX of student loan debt, where in fact, my total student loan debt is {$420000.00}. I started communicating with someone from Mohela about this in XXXX ; they instructed me to obtain a copy of my credit report and upload it into their portal, which is problem 1 : there is no place to upload such information online. 
I called at least 3 more times in XXXX, but could not get through to anyone who could give me a status update on my case. In XXXX, I received a call from a supervisor, but she did not provide her callback information. When I called back ( and waited over an hour on the phone ) I was directed to another supervisor who told me that she was unable to handle my case, as it was being handled by another supervisor. XXXX never called me back, and I received a letter on my Mohela XXXX XX/XX/XXXX saying that Mohela had not duplicated my account information on my credit report, but that I was able to submit a formal complaint in writing to their address. 
On XX/XX/XXXX, I printed out my XXXX page credit report, along with a formal complaint letter, showing that the account balance had been duplicated, and mailed it to Mohela, which was received by them on XX/XX/XXXX ( confirmed through tracking ). 
On XX/XX/XXXX, I checked my credit report, and noted that my ( previously excellent ) credit had plummeted more than XXXX points because of this erroneous reporting which still had not been fixed. 
I did call Mohela at this point, as I was irate. I am in the process of trying to get a mortgage for a new home and this negative credit reporting has impacted my ability to do so. 
Finally, I was able to talk to a supervisor, XXXX, who admitted that the mistake had been made during the system switchover in XXXX. She told me that there were multiple inquiries open into my complaint, but that unfortunately, in spite of contacting them since XXXX, had only started on XX/XX/XXXX. She told me it would take 30 days for them to resolve this and then another 30 days for this to be fixed on my credit report. In my opinion and legally, this is unacceptable to have a formal complaint take more than 60 days for resolution.
Consumer complaint received 2024-08-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-28
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX  years.

15 U.S.C. 1681s-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.
Consumer complaint received 2023-09-28
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (MI)

Credit karma money has held my money XXXX since XX/XX/2024. On that date, I tried to use my card and received a notification that it had been frozen for my protection. I immediately began calling them and thats when the nightmare bagan. They transferred me to several departments who all repeated the same script I will escalate your case to a higher department, please wait on an email Ive called them everyday and still no answers. On XX/XX/2024, I received a email stating that they could no longer service my financial needs and that my account would be closed and any deposits would be returned. I received another deposit in my account today ( Tuesday XX/XX/2024 ) and it was NOT returned. I called credit karma today and they said that my account is still under review after they said that my account was closed over a week ago. I have took so many losses due to this. I am a XXXX XXXX XXXX XXXX XXXX  and I have been receiving threats from my XXXX XXXX  that work under my software because the fees that they are supposed to be paid are going into this account and I cant pay them. I have also had my car repossessed because of this and in the process of losing my home due to this. I dont know who else to contact because credit karma or XXXX XXXX is helping me. I feel like Im being scammed by a bank that I trusted with my financial assets. As of today, I have {$23000.00} tied into this account and I can not access any of it which is causing more financial burdens on my career and my family. This has been a total nightmare since XX/XX/2024 and I dont know what else to do. I would appreciate some sort of assistance with this matter as soon as possible as I am losing everything behind this. I have contacted XXXX XXXX and XXXX  but still no answers. Credit karma has provided absolutely no answers. They only say we escalated to a specialized team The specialized team has no contact info and can only contact me via email which they have failed to do. My case numbers are XXXX and XXXX Email : XXXX The companies involved are Credit Karma Money XXXX XXXX  Ive contacted XXXX  and FDIC as well
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

I was scammed by someone who had a TD bank Account.

Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/year> Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX Victim Bank Address : XXXX XXXX XXXX. 
Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : Victim Bank City : XXXX XXXX Victim Bank Country : United States of America Victim Bank State : California Victim Bank Zip Code/Route : XXXX Victim Name on Account : XXXX XXXX Victim Account Number : Recipient Bank Name : TD Bank Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America Recipient Bank State : Illinois Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX  Recipient Bank Routing Number : XXXX Recipient Account Number XXXX XXXX Recipient Bank XXXX XXXX :
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J J Marshall & Associates, Inc (MI)

I signed a lease with XXXX on XX/XX/year> for a XXXX apartment. The apartment was infested with bugs. I complained to XXXX XXXX immediately. XXXX moved me to a XXXX bedroom. 

Maintenance men, entered my apartment without knocking or without my knowing that they were coming XXXX times. I emailed about the issue to no avail. I was XXXX on XXXX of the occasions. Also, I have a teenage daughter and decided to move my daughter with her father until I moved from the apartment due to the strange men constantly entering my apartment regularly. 

Upon moving into the two-bedroom apartment on XX/XX/year>, I noticed that the doorknob and lock on the security door located right outside of my apartment were broken. I submitted a maintenance request to have the doors lock repaired immediately ( as I would be living there alone as a single woman with my teenage daughter ). 

Maintenance came to fix the lock and doorknob ; however, Maintenance did not properly fix the issue. Someone broke into the door at least XXXX times from the time I moved into apartment on XX/XX/year> to XX/XX/year> when I moved out. The security door was never fixed properly and was in disrepair even up until the time that I moved. I submitted multiple work orders for the security door repair. 


There were piles of dog XXXX everywhere in the surrounding areas of my apartment. I stepped in dog XXXX in my expensive XXXX boots. My XXXX daughter could not practice her volleyball, and my golden doodle ( dog ) got sick from other dog 's XXXX. I did email management to no avail. 

I do not feel that I should have to pay the early termination fee. I had bought a vacant lot located at XXXX XXXX XXXX, Wyoming, MI XXXX, it was my intention to stay at the apartment in XXXX while I got a home built on the vacant lot. However, I ended up buying a home somewhere else and moved earlier than expected due to the conditions of the apartment community. I was never late on my rent. I paid the rent ahead and I would not have moved before XXXX months if the conditions were safe and habitable. 

I disputed the early termination fee by contacting XXXXXXXX XXXX I filed a complaint with the XXXX XXXX XXXX ( XXXX never responded ). I also filed a complaint with the Attorney General 's office to no avail due to XXXX not responding. XXXX sent the balance to a collection agency immediately, they refused to compromise even though they have proof from pictures and emails about the conditions. 

Please assist me with any information available to remove the early termination fees due to the living conditions. I have attached pictures, emails, screenshot of maintence requests, email to XXXXXXXX XXXX  - disputing the early lease termination fees and the complaints to XXXX and the Attorney General 's office.
Consumer complaint received 2024-08-28
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. (AZ)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$18000.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

XX/XX/23 Insubmitted a request via Mohela site to get a refund of my payments made during the COVID pause. 

XX/XX/23 Mohela confirmed the refund request would be processed and could take 60 days for me to receive my money. 

Its been well past that, even if XXXX business days. The payment balance was adjusted to my overall balance by XXXX, so Ive been paying interest on money ( since XXXX ) on money I have yet to receive back. This is unacceptable.