davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX the Louisiana Department of Revenue and Taxation issued a check for {$1700.00} to Chase Bank, Check # XXXX. Chase issued a prepaid XXXX  debit card to my mother, now deceased, in this amount. The card expired XX/XX/XXXX. My brother was handling my mother 's affairs. When my brother died the card was found among the income tax filings. It appears not to have been used, but I do not know. I called the number on the back of the card, and got a recorded message from Chase that the number was no longer answered and to call a different number. I did so and was transferred around to several different departments, none of them recognized the number or could retrieve any information. On XX/XX/XXXX I met with a local Chase officer who took information from me to demonstrate I was authorized to act on my mother 's affairs and sent it to legal. Legal affirmed my authority. On XX/XX/XXXX, I met with the officer again who advised me to go to a teller and request cash for the card. The teller could not access the information. On XX/XX/XXXX, I spent 45 minutes with the officer who talked with various departments. One finally took the information and said an investigation would take place. I received a letter on XX/XX/XXXX stating the inquiry had been resolved. No information was given about the resolution. I called the number on the letter. I was transferred twice only to be given a number of another department to call. They did not answer my question. I emailed the local bank officer who did not contact me. I spoke with the Louisiana Department of Revenue three times who said Chase had the money. Today, XX/XX/XXXX the department referred me to the Chase department that replaces prepaid cards. I spoke with three different people at Chase this morning, the last who said they stopped providing this service in XXXX and referred all information back to the state. All Chase departments state that they do not have information on " old '' cards. I advised Chase that I would file a complaint with the CFPB.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am receiving emails from Portfolio Recovery Services for a Debt they claim I owe to them. Subject : Request for Debt Validation and Assignment Contract Accounts : XXXX XXXX Dear PORTFOLIO RECOV ASSOC, I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I have the right to request the following information regarding the alleged debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is currently owed.

3. Verification of the debt or a copy of a judgment against me ( if applicable ).

4. Proof that the debt has been assigned to your agency.

To comply with my request, please provide me with the assignment contract or any relevant documentation that proves the debt was legitimately assigned to your agency. If you are unable to provide this validation and the assignment contract, I request that you cease all reporting of this debt to the credit bureaus and discontinue any further collection efforts.

Please send me confirmation in writing that my request has been fulfilled and that you have ceased reporting this debt. I appreciate your prompt attention to this matter and expect your response within 30 days.

Thank you for your cooperation. 

Sincerely, XXXX XXXX,
Consumer complaint received 2024-08-28
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)

I Recently went to open an account from XXXX XXXX  and they didn't open it because it's reporting an account on my credit report that isn't for me. Please remove XXXX XXXX account XXXX XXXX has a balance of {$640.00} from credit report. Remove this asap, never was I associated with this account.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of charge card accounts COMENITYBANK/BURKE account # XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 COMENITYBANK/BURKE # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NV)

The Mohela student loan accounts I have are being reported XXXX on my credit report. Because there are duplicate accounts on my credit report my total student loan debt on my credit report is higher than my actual total student loan debt shown in my Mohela portal. And, this lowers my credit score and hurts my debt to income ratio.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Tuesday XX/XX/year> XXXX I had a missed call from XXXX Tuesday XX/XX/year> XXXX I had another missed call from XXXX Tuesday XX/XX/year> XXXX I called XXXX and the recording answer was welcome to Chase Fraud It sounded just like when I call Chase. 
The person that took my call said he was with Chase Fraud and I asked him for his name : XXXX XXXX XXXX XXXX. He asked me to open my Chase Mobile App while he was on the phone with me to go over some irregular charges. I opened the app and I said I dont see anything irregular He proceeded to ask me If I recognized the following charges : {$1000.00} at a XXXX XXXX XXXX XXXX Texas and said NO Then he asked about another transaction : A wire transfer for {$17000.00} I replied to him that I had received text messages about these charges and that I responded NO via text message. 
Mr. Heffner then said that those transactions were not going through so I didnt have to worry. 
However, a wire for {$3700.00} was about to go through within the next 10 minutes!!! I said I dont approve!! He said we just sent you a text with this wire being canceled. 
That is when all the red flags started happening! The word cancelled was misspelled! The text Message came from XXXX! I hang up and went immediately to Chase ( about XXXX ) and they were about to close. The gentleman that helped me said the wire went through! We filed a case number with the wire fraud department to try and recall the wire for {$3700.00}. 
CASE # XXXX He said that it will be about XXXX business days before I might get my money back. 
I also filed a claim with Chase CLAIM # XXXX According to Chase the money went to : XXXX XXXX XXXX XXXX XXXX BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX FILED POLICE REPORT AT THE XXXX FL POLICE DEPARTMENT, ON FRIDAY, XX/XX/XXXX. CASE # XXXX I am enclosing records of the person that owns the telephone number from where I received text messages
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On Friday XX/XX/year> I deposited a check that was wrote out to me. The check was {$4000.00} and was pending for verification until XX/XX/year>. On XX/XX/year> I tried to use my card and it declined. Check the account and it stated call Capital One you can not withdraw funds. Contacted them and spoke to someone and took the hold off my account then spoke to someone else that stated the funds could not be verified and put the hold back on the and stated the account will be closed. I provided the name of the person who wrote the check address number and what was the reason for the check. And they stated they still couldnt verify the person. Called XXXX days in the row with the same thing telling me to call back. And today they stated the account is closed the decision was made today but there is not XXXX over my account yet.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

On XXXX XXXX i was scammed from an online loan service called XXXX XXXXXXXX there location is in XXXX and XXXX but they said they did loans all over America long story short truist bank was supposed to investigate this fraud they had me create a new account and took my entire paycheck to cover the negative balance which was suppose to be under investigation they didnt give me any notices nor emails like I asked the company to
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

Subject : Urgent Formal Complaint Against ELAN/SouthState Bank for Failure to Respond to Credit Dispute Dear CFPB, I am compelled to file this formal complaint against ELAN/SouthState Bank due to their blatant disregard for federal law, specifically their failure to respond to a credit dispute letter I sent on XX/XX/XXXX. This neglectful behavior is not only a violation of my rights under the Fair Credit Billing Act but also poses a significant threat to the accuracy and integrity of my credit report. 

The account in question, ELAN/SouthState Bank , with account number XXXX, has been inaccurately reported as late for the following months : XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Despite my timely and documented efforts to dispute these inaccuracies, ELAN/SouthState Bank has failed to adhere to the legally mandated 30-day response period. This flagrant violation of 15 USC 1666 ( b ), which mandates that periodic statements be mailed no later than 21 days before the payment due date, can not be overlooked. Additionally, this failure constitutes a breach of my rights under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), which explicitly prohibits the inclusion of unverified and incorrect information in consumer credit reports. 
I am formally demanding that ELAN/SouthState Bank immediately provide documented proof of their compliance with federal regulations, including evidence that each periodic statement was issued within the legal timeframe. If they are unable or unwilling to comply with this request, I insist that the incorrect late payments be expunged from my account and removed from all consumer reporting agencies, including XXXX, XXXX, and XXXX. 
Failure to address this issue promptly will leave me with no choice but to pursue further legal action and seek all available remedies, including but not limited to filing additional complaints with relevant regulatory bodies, seeking statutory damages, and considering civil litigation. 
It is imperative that ELAN/SouthState Bank rectify this situation without delay and update my account to reflect a positive status. Please forward any changes to my account to the address provided above. I expect prompt action and a satisfactory resolution to this matter.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

XXXX XXXXXXXX XXXX XXXX has recently taken money out of my checking account and put it on hold. I can no longer use my account or receive any money and get paid from my current job. They are saying that I owe {$XXXX} in debt to a target credit card that was opened in XXXX. I have no recollection of ever owning this card and owing any money on it. When I looked up my case number on the clerk of courts website, the history on this case doesnt make sense. There are certain documents where they are saying that the person that was served as a XXXX female with XXXX hair. I am a XXXX female with blonde hair. it also said the surname was XXXX. That is not my surname.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA (WI)

Attention : To Whom It May Concern Attention : CFPB ( Consumer Financial Protection Bureau ) I asked to speak with a supervisor, but no supervisor answered the phone. Additionally, they stated that they would give me a call within XXXX days, and then they never did. I have called XXXX times and this has been the process the entire time. Each time I called, except the XXXX time I called, I spent a minimum of XXXX hours on the phone and a XXXX of XXXX hours on the phone. On the XXXX time, I told the lady that I would not be wasting hours on the phone any longer and that they had XXXX minutes on the XXXX call that was made. 

On the XXXX time, I told the agent on the phone that I was tired of my time being wasted, and that if it was not possible to get a supervisor I would be writing the financial consumer reporting agency because these supervisors needed to be held accountable, and that I would now require a name of the supervisor that I was being transferred to with a work ID. 

I need your agency to help be get results because this company is dragging down my credit score because of their insufficient ways of handling data. I went through bankruptcy and since then my credit score has been going up because I have XXXX credit card that is being paid on time and early. The bankruptcy court told me that I need not pay my student load during this time and that MOHELA should not be hitting my credit score with late or non-payments. Well, the bankruptcy court granted me Chapter XXXX and so now I am trying to contact them on the next steps because a low-grade customer representative is not able to assist me with it and only a supervisor can assist me with it, but now the supervisors are not answering their phones. I called on the lowest rated day possible when they would not be so busy, and still, it took an hour and XXXX minutes, and still no answer. The XXXX who was supposed to help me goes by the name of XXXX with the ID : XXXX. Other supervisors did not answer the phone but I don't have their information. This is ridiculous that you have to hold a supervisor 's hand like a child. The only thing they seem to be able to do is convert XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can someone from your department help me with these misfits? 

Thank you for help in advance! 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (MA)

On XX/XX/XXXX, I received an email from XXXX XXXX  informing me that because I enrolled in the XXXX  transfer service on or after XX/XX/XXXX, my access to XXXX  became unavailable. I received no other explanation as to why my access was restricted. 

I waited to see if my access would be restored, but it was not, and I eventually called XXXX in XXXX, XXXX. The XXXX representative told me that XXXX would ask XXXX to remove the block on my profile. After a few days, I was able to access XXXX  in XXXX 's mobile app/website but encountered an error when I tried to use my email or phone number for XXXX. I also encountered an error with trying to use XXXX  with my email or phone number at other banks and in XXXX 's own mobile app. I contacted XXXX multiple times in XXXX, XXXX, but was unable to reach a resolution. I also contacted XXXX  in XXXX, XXXX, and their representative told me they would submit a ticket, but the issue continued to persist. 

I contacted XXXX again multiple times in XXXX, XXXX and explained the issue. They completely unenrolled me from XXXX  at XXXX, but that did not resolve the error with trying to use XXXX  with my email or phone number at other banks and in Zelle 's own mobile app. I believed the issue was on XXXX  's end since the error messages in other bank apps indicated there was a problem with my XXXX  profile, and the error message in XXXX  's app indicated there was a problem with using my phone number. However, I was unsure how to resolve the issue since it started from XXXX restricting my XXXX  access, and XXXX told me there was nothing further they could do since I was already unenrolled from XXXX  at XXXX. I contacted Zelle again multiple times in XXXX, XXXX, and their representative confirmed that there was a block on my profile ( though did not explain why ) and they would submit a ticket, but I am still unable to use XXXX  with my email/phone number.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$920.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$920.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Capio Partners, LLC (FL)

Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX {$1100.00} I am requesting them to validate this alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including all fees associated with the alleged debt.

Additionally, I am asking Capio Partners to provide me with a copy of a signed release of health information, as I do not recall signing a release of medical information for them. This is a direct violation of the HIPAA law.

If the debt can not be validated and a HIPAA can not be provided I ask that the alleged debt be removed from my credit report. Furthermore, until the debt is validated and a HIPAA is provided I ask that Capio Partners cease any further reporting to the credit bureaus for this account.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (AZ)

XXXX to XXXX XXXX XXXX this morning asking for the email acct associated with the XXXX XXXX acct that the collections letter is regarding. XXXX XXXX told me I needed to file a fraud/dispute claim before they will begin to look into the issue. 

I spoke to XXXX XXXX before speaking to XXXX XXXX, XXXX XXXX collections told me to get the email acct attached to this dispute. Currently XXXX XXXX stated I had no balance outstanding with my email acct
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

On XX/XX/year> there was an unauthorized ACH transfer out of my personal checking account for over {$13000.00} to an account with XXXX XXXX that was fraudulently set up using my information. I notified both banks and submitted claims on XX/XX/year>, and closed both accounts to prevent further fraudulent charges. Also on XX/XX/XXXX, XXXX XXXX froze the funds and told me they will only be released to US Bank to go back in my account. It is now XX/XX/XXXX and they still have not done so, and as of XX/XX/XXXX, still have not requested the funds from XXXX XXXX They also have not given me any provisional credit for this amount until it is returned, which I believe they are supposed to do within XXXX  days.