davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.
Consumer complaint received 2024-06-26
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. (MD)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate, when noticing this and knowing that according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) Therefore, 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 ( i ) promptly 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-26
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on two accounts XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Experian written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2024-08-05
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (OH)

On Saturday XX/XX/XXXX, I purchased a VISA vanilla gift card from XXXX XXXX with the amount of {$100.00}. I attempted to purchase the pay-per-view fight from XXXX for {$78.00} XXXX the card was declined. On Monday XX/XX/XXXX, I attempted to purchase a transcript from escribers for {$14.00}, the purchase was declined. I immediately called the toll free number on the card and was met with a sales pitch, that I had just won a {$100.00} gift card from XXXX but to receive it I would have to provide them with a credit card or checking account number and be responsible for {$9.00} processing and delivery fee. I declined and told them that I just wanted to activate the gift card, they were so persistent until it became contentious and they would not activate my card unless I agreed to surrendering personal information. I did not. I went online to activate it instead, when I pulled my card up it showed that my attempted purchase to XXXX was pending and it showed two purchases of equal amounts {$38.00} to XXXX XXXX XXXX and XXXX XXXX made right before my eyes. I clicked the icon to report un familiar purchases and it read " there are no purchases to dispute ''. I immediately contacted the call center for the second time and was met with the same sales pitch. I declined and told the operator what had just happened and that I needed to be connected with loss prevention, I was denied unless I agreed to the terms of the promotion. I called back three additional times with the same result. Vanilla refused to activate my gift card because I did not want to surrender personal information. I even asked if the could take the {$9.00} fee from the vanilla card itself, I was told no because it was not activated. I have purchased these cards for years and I have never had to call in and activate it, and certainly not have to surrender information and pay an additional {$9.00}. I believe that it was intentional to block the card to have me call in to activate, they unlock the card the whole while telling me they can't all the while clearing purchases. By the time I get off of the phone the money is already gone.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/XXXX my card and account information was stolen, granting access to my checking account ending in XXXX with Chase Bank without my knowledge. Before this situation, I was told I had {$1200.00} in my checking account and {$4500.00} in my savings. With that, about XXXX XXXX dollars was taken out along with a forgery of checks made out in my name NOT signed by me nor does it resemble my signature of any of my other checks and signatures, causing my Chase savings and checking account to be put on hold. Immediately that next day noticed and filed fraud with Chase Bank. Spoke to a Chase employee, going through all of the proper steps and procedures to file fraud and get my testimony on the record. In the original supposably recorded testimony I stressed very clearly leaving no room for other interpretation that I have no knowledge of who did these transactions and activities, nor do I know how my information got accessed and card taken but none of it was done by me and not authorized. 
Was then told that same day that it will now go into investigation and I should be hearing back from them by the end of the month in XXXX of XXXX. Fast forward to XX/XX/XXXX, contacted Chase to get an update on the investigation and was told they are not sure when the investigation will be over and to call back in a few weeks. 
From XXXX to XXXX, repeatedly contacted Chase a few times each month about an update on my investigation and when I'd receive at least my savings account money if not that plus my original checking account money, and was told the same thing every time. They were not sure when the investigation would be closed, and gave me random dates when it would be done but when the time came was never done and nothing has changed, to they don't have access to any information on the investigation except for a note as to when the investigation is ready to send out my money. During another direct call to Chase initiated by me, I was told what my statement of testimony had included in it, and in that statement, the person who took my statement put down that I had said I made all of those transactions and checks when I did not say nor claim that at all. Fast forward another 6 months to XXXX of XXXX and constant calls to Chase Bank a few times a month to hear the same repeated answers and lies. Those calls and no updates carry on into XXXX. The amount of ignorance and negligence this company 's service has provided me leaves me helpless and hopeless. They say contacting the investigation company myself is not possible so I only have contact with my investigation through Chase Bank online customer service employees who also aren't handling my case nor can they do anything to speed up the process. I feel as though my case has not been worked on at all and my fike is sitting in the back somewhere not getting worked on because one year and a month to investigate and hold my money is not okay.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

Rushmore servicing is servicing a mortgage for a rental

property. I pay into an escrow account every month for taxes and insurance. I received an email that my insurance coverage was canceled because of non payment. I checked my escrow account and the money to pay the annual premium is there but Rushmore never issued the payment. The customer service line is only an automated system. It is impossible to speak with a human. They do not offer an em
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il address and the " messaging '' process simply directs you back to the automated system that doesn't allow you to speak with anyone. Meanwhile I have a rental property that does not have insurance coverage and I can not speak to someone to fix this. How is this company allowed to operate like this?! This is the worst customer service I have ever come across! If I could get out of this mortgage I would and I would encourage everyone to stay as far away from Rushmore Servicing as possible!!
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a money market account in person with Truist ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) on XX/XX/2024. I funded this account with a cashiers check of {$5000.00} from my local credit union ( XXXX XXXX XXXX XXXX ) my identification was verified multiple times during the account opening process and the check went into my account as pending.

Fast forward to Tuesday the following week. I logged on to check the status of my account when it notified me I was blocked and needed to contact Truist. I contacted Truist only to be told several times that they were closing the account due to fraud but they couldnt provide any information as to what was fraudulent with my account. They told me to call back in 3-5 business days for an update and that a Truist fraud analyst would be reaching out to me for more information. I still have heard nothing from a Truist analyst and the fraud department still repeated the same call back in 3-5 business days for an update I have made contact with XXXX XXXX who XXXX my account for me. She told me she would make some phone calls and get back to me. I had to forcefully call her back several times for the update to which she replied there was basically nothing she could do and that they decided to close the account and send me a check in the mail for my deposit. She gave me a reference number for early warning signs but it was basically useless as they told me to contact Truist again to find out why it was closed. She also referred me to call the Truist fraud department to get a time frame on when my return check would be mailed to which they still replied call again in 3-5 business days I called XXXX again this morning to tell her none of her answers gave me any solutions. XXXX told me she would again make some calls and call me back with answers. XXXX has since failed to reach out with more information and seems to be ignoring my calls to her direct extension. 

I am beyond frustrated that my money has just been stripped away from me like this. Everyone I speak to at Truist are like robots repeating the same script theyve been told to say. I was told my money would be safe and secure with this account and now I feel the complete opposite. This account was made to house my emergency fund and now that fund in gone until they determine when theyll send me a check for it. Ive heard horror stories of this same issue and it taking years to receive the deposit back. I can not wait that long. Please help me.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I was sent a fraudulent check and manipulated into sending around {$1100.00}. Before this happened, i was never aware a fake check scam existed. I am a minor and feel like I was targeted. I've been on the phone with Citibank for the past 5 days now. I reported the fraudulent check right after depositing it into my account because I had an unsettling feeling. I don't want to be part of a scam. I sent two XXXX payments of {$500.00} and {$200.00}, and two XXXX payments of {$300.00} and {$100.00}. I have lots of evidence that this was fraud. in one of the pictures, you can see the person trying to scam me again to depositing XXXX & sending XXXX back.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd. (VA)

A debt collector representing Harris and Harris called multiple times claiming that I owed the IRS and wanted me to confirm my private information such as my address, phone number and SSN. I didnt feel comfortable giving the full so I gave the last 4 digits. They then said I needed to pay over the phone with my credit card and that is when I hung up the phone.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC. (MS)

Its been almost a year Ive been trying to withdraw my funds from XXXX XXXX account but I continue to get an error message that says Sorry theres a slight delay on our side. Please review pending transactions etc & no pending transactions are ever shown. I cant close my account without withdrawing. I have called several times since XXXX of XXXX  and support is not helpful places me on XXXX minute hold and then tells me to look out for an email, which I have never received. Ive called support over XXXX times in less than 6 months. No answers. My active investing account is just sitting there with {$89.00} that I need access to as I am the one who deposited XXXX XXXX ago! This is absolutely ridiculous & unacceptable from any bank/financial exchange. Ive never had to deal with such terrible customer support until XXXX. I have submitted a complaint XXXX XXXX ago and still having trouble closing my account.
Consumer complaint received 2024-08-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (IA)

I was lured into what ended up being a XXXX scam the website is XXXX they had me by XXXX and I was actually doin ok it seemed and then I lost some and so I let it be for a while and then I decided I wanted to withdraw my funds for other financial needs and so they had me pay XXXX in taxes and withdrawal fees on the XXXX I have in my account and was told it would take XXXX hours to get my funds and after XXXX hours I asked where my funds were and then I was told I had to pay another XXXX to unfreeze my account which I refused and I started contacting law enforcement and other government agencies after that I have submitted complaints with u and the fbi and ftc and sec and even over seas places
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Recovery Management (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FOX COLLECTION XXXX for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing the validity of account number XXXX, which FOX COLLECTION has placed on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, FOX COLLECTION has engaged in false, misleading, and deceptive practices in their collection attempts. They have no authority to furnish this account to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all alleged debts to FOX COLLECTION and revoking their authorization to communicate with me via email, text, or phone calls.

I am requesting the following : Debt validation and verification A copy of the purchase agreement between FOX COLLECTION and the original creditor Proof that FOX COLLECTION is licensed and bonded I believe that FOX COLLECTIONs actions are unlawful and harmful to my credit standing. I request that the CFPB investigate this matter and take appropriate action against FOX COLLECTION.

Enclosed are copies of relevant documentation to support my claims. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capital one bank inquiry thats not mine and a XXXX  inquiry from someone that signed into my account and took XXXX POINTS FROM ME, I WILL SHOW YALL ANYTHING YALL NEED BUT I WANT THIS OFF ASAP THIS IS NOT ME. IVE CONTACTED XXXX AND IVE CONTACTED CAPITAL ONE AND BOTH APPLICATIONS HAVE BEEN CANCELED now please take this off immediately
Consumer complaint received 2024-08-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA (TX)

I had XXXX  at first and was {$24.00} monthly, I couldn't afford so I ask how to get loan forgiveness because was homeless and on XXXX. So the suggested I consolidate first, witch I did. 
After XXXX  serving send me an email stating that I qualify forgiveness Tru social security, but after Mohela send me later, saying that my request was pas due and that my monthly payment would start and is {$160.00}, so I call and try talking to one of the staff members. How I can do because I don't have those kinda of money am homeless and on XXXX. But she don't want to listen she insist I log back on and try finding options. So I did find to lower it to XXXX monthly but they stil sending me bills. I call XXXX and they say am not with XXXX  anymore so they can't help, but suggest I call Mohela again. But I told the lady is a waste of time. They either don't want to help are they just don't know how to do they work. So she said she sorry that's the best she could do by giving me Mohela number.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

I mailed this bank two USPS Money Orders in one envelope. These two money orders would have paid off my account in full. One money order {$1000.00} was credited to my account. The other money order {$79.00} was not. I called this bank to ask them what they did with my other money order. They could not answer me. They told me that in the future I need to mail multiple money orders in separate envelopes. I closed my account. I now have to go to the Post Office and file a claim for the {$79.00} money order. It's going to take me 60 days to get my money back from the USPS. The USPS charged me {$20.00} for the Money Order Inquiry Claim.

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