davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am an XXXX college student and I had a checking and savings account with JPMorgan Chase Bank. On XX/XX/year>, I received an email from this random person about a remote job. We kept in contact and he told me I was getting a check so I could buy him some artwork and my paycheck was also included in that amount. 
On XX/XX/year>, I got a check mailed to my house and I was so shocked because the amount of the check was {$4900.00}. Fast forward, I made a HUGE mistake. I deposited the check into my account and because I thought it was soo suspicious I went on XXXX. I searched up " check scam '' and I realized I had just been scammed. 

I immediately called the bank because I was worried I was going to be put in jail or something and the lady told me to call back when the money was reflected ( which I never saw on the app ) so I did not call them because she had also told me that because I did it on time " I had nothing to worry about ''. Then, 5 days later Chase sent me an email saying they were closing my account, which I found unfair because I did not get a chance to even be heard or send proof because they had " already made their decision '' and I was told over and over that there was nothing they could do. 

This is also very sentimental of me because I've had this bank since I was a minor and It really just helped me a lot, so it's such a bummer now.
Consumer complaint received 2024-07-23
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. (MI)

-Someone opened a credit card account in my name without my knowledge -Now I owe XXXX $ for that credit card account -i disputed that case with a credit bureau -after one month they sent me a credit file wich states that account opened is mine wich is not correct -because of that account which is not mine my credit score got very low so I can't get any loan or mortgage
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

In the attached file it is saying I never made any indication to whether the card was lost or stolen, if on a recorded line like they say you should be able to pull the records that I did in fact say the card was lost, as for a police report no where on there website doesnt say you need to file one in order for fraud to be removed it DOES say you are not liable for fraud The amount is 2,750.95 ( the account has now gone up because of late fees.. I refuse to pay for something I did not purchase ( prime example for a Vet bill, when I dont even have any animals ) I would like a refund but this is not my 3rd time doing this and this company ( Wells Fargo ) has given me 3 different reasons why they wont refund me, when Ive gone through all the proper channels ( to say Ive looked at my account when Ive told them I had issues with my account logging in so it wasnt me, to then saying this last one of not reporting it lost or stolen when I have ) I want a full refund, other wise I will get the attorney general of NY ( my boss ) to look into the shady ways of Wells Fargo and or I will sue this company because I refuse to pay for something I didnt purchase
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Someone charge my Best Buy credit card in XXXX, Fl. for {$850.00} dollar and I have never been to XXXX, Florida and at the time of these transactions I was at my parents house, because my mom was in XXXX XXXX XXXX XXXX on XX/XX/XXXX. The charges were made from XX/XX/XXXX thur XXXX XXXX XXXX. I have proof I was in XXXX, Ohio on those dates,. Best Buy refuses to feel this was fraud and is affecting my credit score for something that is out of my control. Please help.
Consumer complaint received 2023-10-01
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. (CA)

I checked my credit report and noticed on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported that my account with XXXX XXXX XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MD)

I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and Santander Consumer USA, in concert with XXXX XXXX XXXX, are violating the FCRA.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (ME)

When buying from XXXX using it's Chase XXXX card XXXX is offered a no interest pay-over-time option. On the billing statement an amount is described as an interest free payment amount. It is easy to think this is one 's pay-over-time total yet when paying the 'amount due ' interest is charged.The characterization is misleading. What it really means is that if one pays the total account balance there is no interest charged. It should be much clearer to the consumer. The interest free pay-over-time amount should be shown separately from the account total.
Consumer complaint received 2024-06-07
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. (TX)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (GA)

XX/XX/XXXX, XXXX $ It was sent to collection and it is now on my credit report as collections. 
The action I took was I called the company that sent it too collection ( XXXX XXXX  ) and stated to them this fraud. I request documentation and they said they no longer have it.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Recovery Services, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX : XX/XX/XXXX CITY BANK NA., : XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (WA)

Mr. Cooper, my mortgage company, continues to deadname me. I have submitted my legal name change documentation as requested, and while it was processed in some form ( after two tries, the first time they failed to update my first name and only updated my last name ) such that my statements and tax forms have my correct, current, and legal name, their online service portal and their transaction descriptions when debiting my bank account continue to use my prior deadname. I have contacted their support via phone and chat at least four times, and each time been promised that it was fixed, that they just needed to delete my online account and then have me recreate it. When I go through that process, their website says " We're having trouble finding your loan '' with my legal last name and XXXX. Tellingly, it will find it under my prior ( dead ) last name. However, continuing with that process just results in a new online account where I am again being deadnamed. At this point their failure to fix this is harassment and discrimination.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IN)

I have been reaching out to Comenity Bank to have them remove debt that is not accurate, along with amounts that have been paid. Ive been promised letters via email and in mail. I have not received them. Its been over 2 months. This is regarding charge cards for Comenity Bank XXXX XXXX- this acct has XXXX balance and havent had a balance since last year but its being reports negative. Comenity bank - children place reward card- was paid in full but reported as a negative debt to collection. And Comenity Bank - XXXX XXXX XXXX  - zero balance and has been since XXXX. But has been reported as a negative effect to my credit. Ive called each card and even the banks main number and was told things will be removed. Nothing has been removed or updated from my credit report
Consumer complaint received 2024-07-22
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. (MO)

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

Three issues : 1 ) Charged {$82.00} in interest charges per statement with XX/XX/2024 due date. I pay the statement balance every month when I receive it via email. Based on the same statement, it looks as though the previous balance was {$16000.00} and I paid XXXX. So I must have accidentally paid XXXX dollar too little. However, that does not explain why I was charged {$82.00} of interest on {$1.00} of balance from the preceding period. I called on XX/XX/XXXX for an explanation and the representative repeatedly told me that I have paid every bill late since account inception. I told her I always pay the statement balance on or soon after the statement date and she remained resolute. I told her that I have never been charged interest until the statement in question. She remained resolute. 

2 ) Rewards points due from XXXX XXXX XXXX Credit Card, administered by XXXX XXXX, have not been reflected and available for use on XXXX XXXX XXXX  portal, administered by XXXX XXXX. I have called multiple times over the past couple of months, have been told they will fix it, and then receive no follow-up communication. The rewards program was my only reason for opening this credit account. 

3 ) Authorization declines. Since XX/XX/XXXX, the card is declined 90 % of the time when attempting to make purchases. It is frustrating, embarrassing, and inconvenient. I was planning on using the card as my primary means of paying for everyday items. In some cases, I didn't have an alternative means to pay. I have called several times and go through lengthy verification procedures and assured that both my card and the card used by my additional authorized signer would work. However, attempts to use the cards subsequent to these conversations continue to be declined. 

I will likely close this account at the next opportunity. However, I would like to ensure that the Rewards Points may be transferred to my XXXX XXXX XXXX account and that they will either remain there or I can use them, prior to closing the credit account.
Consumer complaint received 2024-06-07
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. (GA)

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 : XXXXNELNET 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 seven 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 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation (PA)

On XX/XX/XXXX, my manager at work told me someone was calling the store phone for me. Another manager was there and said they were calling up to four times a day. They contacted my workplace, without permission, and consistently harassed me by calling up to 8 times in a four hour period for several weeks prior to this. I called them to inform them that I am letting them repossess my car because I can no longer make regular payments on it. Instead, they kept trying to get me to pay the whole balance and keep a car that doesnt even drive. One Main Financial harassed me over payments and harassed me at my job.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ). 
Please delete the following accounts. 
CB/VICSCRT XXXX CB/VICSCRT XXXX
Consumer complaint received 2024-07-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : XXXX TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 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 which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$380.00} XXXX XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX XXXX Opened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$750.00} XXXX XXXX XXXX Opened XXXX {$840.00} 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 a account without my written instructions
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

There was an unknown credit inquiry on my credit report that does not belong to me. I think someone tried to open a credit card in my name. I want that to be removed off of my credit report. This has happened before regarding Identity theft.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (MA)

DEAR NRA GROUP ; NATIONAL RECOVERY AGENCY ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.