davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (LA)

This is my second attempt to dispute this account. Per credit report dating XX/XX/year> the account # XXXX was removed and recognized as a fraudulent account. After reviewing my most recent consumer report on today XX/XX/year>, I noticed the account reappeared back on my consumer report. 
I am a victim of identity fraud and have filed an identity theft claim through the Federal Trade Commission. I have also filed a police report through my local sheriffs office to report the nature of the theft. My chase account was compromised when my vehicle was broken into and my personal items such as my cell phone and wallet were stolen. I immediately contacted my banking institutions to cancel all of my current credit and debit cards that could've been compromised. 
I have had several dialogues between the creditor J.P Morgan Chase Bank in reference to this account and they have the account under investigation and are working diligently with the local police to resolve this matter by identifying the theft.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NC)

In XXXX of 2024, HSA Bank, a division of Webster Bank, N.A., Member FDIC, decided to change custodians for its investment accounts to one that I am not able to use. As an employee of an XXXX, there are a limited set of XXXX  who can custody securities that are acceptable to my Firm. HSA Bank 's new XXXX  was not acceptable to my Firm. 

I decided to close my account by transferring it to another XXXX  on or about XX/XX/XXXX24 and HSA Bank approved the request on XX/XX/XXXX24. 

The investment assets transferred quickly via ACATS ( in-kind ) but the cash balance maintained by HSA Bank have not been transferred despite repeated calls and assurances that it might take up to 6 weeks for the transfer to take place. 

Now, XX/XX/XXXX/24, the HSA Bank personnel are suggesting yet another form needs to be completed. 

These tactics are dilatory and may be designed to ensure stable balances at the Bank over execution of legitimate customer requests. 

HSA Bank should not have any process that takes 6 weeks to complete a rollover and should certainly be more thorough in its follow-through as we are now going on 10 weeks to obtain funds.
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NJ)

A utility was opened fraudulently in my name. I was not residing In Pennsylvania at the time of this account being opened .I have proof of residence. I would like this XXXX account to be removed from my credit report. I tried to dispute is myself and I was told the information was accurate and nothing was done which lead me to file a complaint.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

The scammer, XXXX XXXX, pretended to be Chime. They said that there was suspicious activity on my card. To fix this, I needed to send it to a bot Chime account and they would give me new account details Chime : Did You Attempt A Purchase For {$120.00} At XXXX XXXX On XX/XX/2024 ( XXXX )? If this was you then simply disregard this message. Not You? Reply Yes or No No Chime : Thanks for replying A representative will call you shorty.
Consumer complaint received 2024-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AIH Receivables Management Inc. (KS)

company had made calls and not idetified who they are other thank I talked to you last month. Thir dispute letter was returned XX/XX/XXXX and they had a deadline of XX/XX/XXXX. They have failed to provide informaition. I completed a follow up online request and have a confirmation email that it was recived
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: The Cook Law Office PLLC (NC)

Civil Warrant Number XXXX The XXXX XXXX XXXX XXXX Subject : Request for Verification of Debt and Contract of Sale Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I XXXX XXXX XXXX, am the defendant in the above-referenced case and am requesting verification of the debt in question, as well as a copy of the contract of sale or assignment agreement to confirm the legitimacy and ownership of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  XXXX XXXX, I am entitled to request proof that any party reporting or attempting to collect a debt has the legal authority to do so. I have previously submitted a written request to the plaintiff, [ Plaintiffs Name, e.g., the XXXX XXXX or relevant entity ], seeking documentation showing they have acquired the rights to this debt through an official contract of sale or assignment from the original creditor. 

In the absence of such documentation, I am concerned that the plaintiff may lack the necessary legal standing to collect this debt. I respectfully ask the court to consider this matter and, if deemed appropriate, require the plaintiff to produce the following documentation : Contract of Sale or Assignment Agreement : Document evidencing the transfer of ownership rights of the debt from the original creditor to the plaintiff. 
Verification of Debt : Proof of the debts legitimacy and any accompanying account statements or records. 
The FCRA requires that consumers have access to accurate and complete information about debts on their credit reports, including any debts currently in dispute. The documentation requested will allow for a full and fair evaluation of the debt 's legitimacy and ownership before proceeding further in this case. 

Thank you for your time and attention to this matter. I look forward to your guidance on how to proceed if the requested information is not provided. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (MD)

My recent statement for my XXXX XXXX rewards card account cycled and it is still reflecting the APR interest of 30.24 % which is the same prior to the Federal Reserve interest rate decrease and it should be reflecting 29.74 % instead therefore I am being overcharged
Consumer complaint received 2024-10-24
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. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My Chase business account has being card frauds since XXXX XXXX XXXX4 when Im in XXXX for vacation ( XXXX XXXX XXXX ) When I get back to XXXX and XXXX to my local Chase branch ( on XX/XX/year> ) to report I have a few transactions that is not made by me which is XX/XX/year> amount of {$1400.00} ( XXXX  ), XX/XX/year> amount of {$540.00} ( XXXX XXXX ), XX/XX/year> amount of {$680.00} ( XXXX XXXX XXXX XXXX ), XX/XX/year> amount of {$140.00} ( XXXX XXXX XXXX , and XX/XX/year> amount of {$940.00} ( XXXX XXXX XXXX XXXX ). On XX/XX/year>, I noticed that there one transaction is not refund which is the amount of {$940.00} made on XX/XX/year> of XXXX XXXX XXXX XXXX. So I went to the same local branch again to see what is going on. The lady help me to call Chase Secure Center and what they said is they already refunded the money I reported and printed out a sheet show which transactions they already refund but theres no show the amount of {$940.00}. The secure center agent said they can reopen the case and just fill out a sheet of paper and upload, so I did everything in the branch and the bank agent upload documents for me. Two weeks later, I still didnt received anything from chase so I went to the same local bank on XX/XX/year> to see what happened, a guy banker help me to call XXXX XXXX and what they said is the case is close due to overtime ( 30 day ). So I wonder now if it is over 30 days why chase bank dont tell me the first place ( on XX/XX/year> ) and saying that they will reopen the case and upload the documents. Now I waste two weeks waiting on this, and didnt get my money back.
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I finally paid off my consolidated student loans on XX/XX/XXXX, XXXX days before a payment was to be withdrawn from my checking account on XX/XX/XXXX. 

It did not occur to me to stop auto-pay. I couldn't imagine the servicer would still take money from me when none was owed. 

When I discovered that the servicer did take the money, on XX/XX/XXXX, I immediately messaged the servicer. I received an auto reply stating it would take up to XXXX business days for a reply. I never got any message that there was a reply. 

I again messaged the servicer on XX/XX/XXXX. The reply stated it would take XXXX business days for the overpayment to be refunded. I got the check via XXXX today. 

Why should this have even happened? My balance was XXXX, yet the servicer still took my {$110.00} because, why? 

When I think about how many borrowers are struggling, it should be against the rules for all loan servicers to continue to deduct auto-payments on a XXXX balance loan. Thus this complaint. Thank you.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (OH)

LVNV Funding LLC - : unauthorized account opened XX/XX/XXXX the amount of {$1200.00} LVNV Funding LLC- : unauthorized account opened XX/XX/XXXX the amount of {$910.00} XXXX XXXX XXXX XXXX unauthorized account opened XX/XX/XXXX the amount of {$1400.00} I was just notified about the two LVNV funding accounts on XXXX XXXX I reached out to the company they told me they did notice several errors on the accounts and they look fraudulent I called my local police department they told me they couldnt do much and to file for identity theft I filed for identity theft
Consumer complaint received 2024-10-28
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)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXXXXXX Balance : {$220.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

Account info Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - never done business with company debt isn't authorized and shouldn't be reporting to my personal credit please have company remove fcra law code 18usc 1028a didnt not give permission to report unauthorized information
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

Received seven phone calls from different phone numbers/different locations claiming to be Chase Bank representative trying to verify if i had applied for a Chase credit card.

I denied and the representative attempted to connect me to a Consumer Protection advocate. I disconnected but they continue to call. 
The numbers they used were as follows : XXXX Texas ( Claimed Texas ) XXXX Georgia XXXX Delaware ( Claimed Texas ) XXXX XXXX XXXX, Texas XXXX XXXX, Ohio XXXX Michigan XXXX XXXX, Missouri Hope this information is helpful.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-29
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. (CA)

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report promptly. Their presence is causing me significant stress and does not reflect my true credit history or financial behavior, making it difficult to cope. If we can not resolve this, I am prepared to take legal action to protect my rights and find a solution. These inaccuracies are a serious issue for me, as they hinder my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This letter serves as a formal demand for the immediate removal of the account you are reporting under the above-referenced account number from my credit report. The account is frivolous and invalid due to your failure to present the legally required documentation to substantiate your claim. I do not owe the alleged debt, and in accordance with federal law, you must cease reporting inaccurate information. You are currently listed as LVNVFUNDG on an open account with the XXXX consumer report claiming I owe your company a past due amount of {$950.00}. The report says I am 120 days delinquent with the last payment being XX/XX/XXXX. The last payment amount shows as {$0.00}. 
On the XXXX consumer report your company is listed as LVNV FUNDING with date of last activity of XX/XX/XXXX and also showing as open I have not had any business with your company or received any consideration to owe your company anything.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2024, i received an email from square customer support ( her name is XXXX XXXX .Square Account Services ) with the detail about transferring my fund to my linked bank account to square. 

The full original email is : Square case # XXXX Hi XXXX, Thank you for contacting Account Services my name is XXXX XXXX, I am more than happy to assist you, I am reviewing your case. 

I just wanted to let you know that weve now lifted the protective hold on your account and you are all set to transfer your funds, I notice you have the manual option, here the steps to transfer your funds.

Log in to your Square Dashboard and click Balances.

Click the Square balance you want to transfer funds out of.

Click Transfer to transfer money out of this balance. 
Follow the step-by-step instructions to complete your transfer. 


XXXX XXXX. 
Square Account Services But they still frozen my account without any explaination and all my fund still stuck in their. 
I tried to call their number at XXXX with no luck ( no one answer my call during business hours ), i tried to email them 4 times to : XXXX still no respond at all. 
I tried to look up to their review on https : XXXX XXXX XXXX XXXX ( where they have office as stated on their business website ) and found out that many people stuck with them for the same situation like me. They just frozen account, sent us a message that wait for 90 days for transfer money back to our bank but never happen then just ignore all the case asking for money refund. 
I need my money back, please helps
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CA)

I believe the account is invalid. WAYPOINT RESOURCE GROUP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

WAYPOINT XXXXXXXX
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. (GA)

Recently, I did an investigation on my credit report and found items on there to be inaccurate.

Under 15 U.S.C code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; promptly notify the furnished of that information that that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX SECURED CREDIT CARD- I dispute the missed payments and late payments on this account XXXX. COLLECTION ACCOUNT FROM XXXX XXXX XXXX never had a contract with this debt collector for any debt. Please provide legal proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account XXXX ACCOUNT FROM XXXX XXXX XXXX-I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.