davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Ive been a XXXX  year plus client at Chase bank. I have never initiated a single wire transaction in my entire history with the bank. My account and identify were stolen and the criminal ( s ) fraudulently wired {$8700.00} out of my account in XXXX separate wire transactions ; XXXX for {$4500.00} and XXXX for {$4200.00}. They also transferred all of my money in my joint savings account to my checking account in {$5500.00} increments. I notified Chase immediately and have spent the last few days talking with various people from Chase and getting a completely different story every time I speak to someone. Furthermore, my claim was just denied yesterday. Myself and my family are absolutely devastated. This behavior is shameful and disheartening as we have put our trust in Chase for so many years to protect our finances. Anything you can do to help resolve this would be greatly appreciated. Trying to follow up on status, next steps etc. has been a total nightmare. I have filed a police report with the XXXX police department, a complaint with the FTC and the XXXX. 

I filed a police report with the XXXX police department, case number XXXX with XXXX XXXX XXXX XXXX and had active cases/complaints with Chase bank XXXX XXXX and XXXX XXXX. This occurred on XX/XX/year>
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Hello Sir, Madam How are you doing? My name is XXXX XXXX, I've had Federal student loan around XXXX dollars for my XXXX years college and while I served in XXXX XXXX XXXX XXXX  I was informed my XXXX XXXX XXXXXXXX put me in collection ( I have a lot of stresses ) and deferred my student loan with interests and XXXX destroyed my XXXX XXXX while I was in XXXXXXXX XXXX. When I was serving in XXXX Military Where I earned salary and Made Student loan Payments. When I was injured in the XXXX XXXX  and forced me to be XXXX XXXX then I informed XXXX to exempt me from paying student loan after 10 years payments. After I informed XXXX about my situation as a XXXX XXXX  and asked to exempt as public employee and XXXX XXXX in XXXX XXXX. They ( XXXX ) told me no such case for XXXX XXXX or Government or XXXX XXXX  to exempt from making student loan payment. XXXX sold my loan to different services like XXXX XXXX XXXX and else. Everytime my student loan transferred to different services then I asked them ( AES and else ) to seek for waiver or wipe out my student loan then XXXX XXXX said I have made payments less than 10 years then XXXX  sold my loan to different services. Because XXXX XXXX like XXXX, XXXX and else destroyed my XXXX XXXX, I could not buy transportation or car and buy house to live in for 10 years. 

Now, I wish to seek for full reimbursement of my student loan payments since I borrowed my sisters moneys to assist me while I was serving in XXXX XXXX ( extremely low income and a XXXX XXXX  " Low income '' ). Please help me to get my student loan payment back, so I can repay my sisters moneys that I borrowed from them. 
If you have any questions, please feel free to reach out to me via Email XXXX or XXXX Thank you very much Very Respectfully, XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from XXXX to XXXX. However, payments to XXXX were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called XXXX to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from XXXX were being sent to me. 
Harassment from XXXX has persisted since early XXXX.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

CFPB you don't have a category for what Wells Fargo, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All of them decided to keep the wealth they were entrusted with. No effort has been done to make them return that wealth. 

That put me in the position of having to explain what happened to the entire United States Government without giving legal advice. 

CFPB you don't have a category for banks keeping deposits that someone else made into another person 's account. XXXX XXXX XXXX XXXX kept the gift deposit I put in someone's account. 

CFPB you don't have a category for banks keeping loan payoffs done for someone else. I paid off Wells Fargo & XXXX XXXX  XXXX loans. Both banks kept the loan payoffs. Both banks did their best to bring the loan holders into the picture. The loan holders didn't keep the payoffs, the banks kept them. 

CFPB you don't have a category for banks that decide to keep a deposit dropped at a bank by mistake. 
XXXXXXXX XXXX XXXXXXXX XXXX did that. 
It told you it knew about the mistake. 

CFPB you don't have a category for banks keeping deposits and not opening bank accounts. XXXX XXXX XXXX did that. Federal Reserve Board knew about the deposit. That's why it filed a complaint against that bank with you. 

The investigation into all this started in XXXX. In XXXX cases were closed and investigations were shut down. 
I was told about everything as it happened. 

This complaint is the only way I could send information to you. There isn't a category to send you information in non complaint form. 

None of this is going away. The five banks 's dishonesty is making sure of that.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I applied for a Bank of America Visa credit card and was approved for a limit of {$2500.00}. I used the card and paid off the full amount. However, in XXXX, the credit was closed and removed from my credit report without any notice or adverse action letter explaining why it was closed. On XX/XX/XXXX, I received an alert indicating that my XXXX score had dropped by XXXX points due to the Bank of America account # XXXX, which showed a late payment for XXXX and XXXX and a balance of {$2100.00}. This information is incorrect ; the balance should be {$400.00}. I spoke with XXXX representatives who acknowledged that the account was closed in error in XXXX and was reopened in XXXX without notifying me. As of XX/XX/XXXX, they were supposed to contact all bureaus to correct the errors.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit XXXX  ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-25
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: JPMORGAN CHASE & CO. (CA)

Pursuant to 15 U.S. Code 1666 this consumer sent CHASE BANK a formal Billing Error Notice on XX/XX/year> via USPS Certificate Of Mailing. 

Pursuant to 15 U.S. Code 1666a, and Regulation Z Subpart B 1026.13 d - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

CHASE BANK has reported adversely ( late payments ) on the obligors credit rating to the credit agencies.

Under the Fair Credit Billing Act ( FCBA ), Prohibition of Late Fees : During the investigation period, creditors can not impose late fees or other penalties related to the disputed charge. 

CHASE BANK has applied numerous late fees to this consumer 's account related to this Billing Error Notice. 

CHASE BANK has clearly violated these consumer laws and regulations.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (NC)

This letter serves as formal notice of my intent to sue Wells Fargo Bank , N.A . for the unlawful reporting of false and deceptive information to the XXXX website and for violating my rights to privacy under both state and federal law. 
harm to my financial standing and reputation and has adversely affected my ability to secure appropriate financial assistance for my educational needs. 

Furthermore, this unauthorized disclosure of my personal financial information constitutes a violation of my privacy rights under applicable laws, including, but not limited to : XXXX. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX of false and deceptive information is a direct violation of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX ), which prohibits any unfair or deceptive acts or practices in the conduct of trade or commerce. The misleading and inaccurate reports submitted by Wells Fargo constitute deceptive practices that have caused me financial and reputational damage. 

XXXX. **XXXX XXXX XXXX Wells Fargo has also violated my right to privacy by unlawfully sharing and disseminating false information, which has caused both emotional distress and financial hardship. 

I demand that Wells Fargo Bank , N.A . immediately cease and desist from further reporting false or misleading information regarding my student loans and financial records, and that you take corrective action to rectify the damage caused by your erroneous reports. 
If this matter is not resolved within [ XXXX ] days of receipt of this letter, I intend to file a lawsuit against Wells Fargo Bank , N.A . for violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as for invasion of my privacy and any other applicable claims. 

I reserve all rights, remedies, and claims available to me under law. Please govern yourselves accordingly.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

In XXXX XXXX I took out a {$2000.00} cash advance on my Citibank credit card. I made payments of {$1000.00} on XX/XX/2024, and {$1000.00} on XXXX XXXX XXXX to reduce the balance, but I noticed discrepancies in how Citibank applied these payments, particularly to the cash advance balance, which has a higher APR. 

I contacted Citibank by phone on XX/XX/2024, to resolve the issue, but their response was unsatisfactory. On XX/XX/2024, I sent a formal written dispute to Citibank, requesting a breakdown of how my payments were applied and how interest was calculated. Citibank 's response, dated XX/XX/2024, failed to provide the necessary details or clear calculations. 

Due to the lack of transparency in their response, I escalated the matter to the Office of the Comptroller of the Currency ( OCC ). The OCC reviewed my complaint and subsequently referred it to the Consumer Financial Protection Bureau ( CFPB ) for further handling. 

I am seeking a thorough review of how Citibank applied my payments and calculated interest, as I continue to observe significant discrepancies in the amounts stated on my account.
Consumer complaint received 2024-09-30
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: Alliant Cooperative Data Solutions (MI)

I'm seeing something suspicious and unknown being placed on my credit report from a shady and unknown, well hidden entity purporting to be a secondary credit agency showing up on my XXXX  credit report. 

The phone number listed doesn't work The phone number on their website doesn't work Their contact us form doesn't work Their option to request a report copy doesn't work Nobody in their posted company leadership answers the calls or returns voicemails There is already case precident demonstrating multiple judgements for federal law violations, and it appears I'm experiencing exactly that. The intentional complexity in requesting a report or disputing what's on it is itself an impediment upon FCRA rights
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from XXXX to XXXX. However, payments to XXXX were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called XXXX to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from XXXX were being sent to me. 
Harassment from XXXX has persisted since early XXXX.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IN)

My complaint is with Freedom Mortgage. I have had my mortgage with them over the past couple years when it was transferred from my previous servicer. My mortgage has never had an escrow and I make my own property tax payments and have always been current on taxes and mortgage payments. In fact, until this, my credit score was XXXX XXXX XXXX XXXXXX/XX/year> they opened an escrow account to pay property taxes on my home that were neither billed yet nor due. I called and tried to explain the error, got transferred around to various departments and no one could figure out why. I paid my property taxes in early XXXX as usual before they were due and sent them the receipt. My county assessor told me Freedom would need to initiate getting refunded for what they paid in error. So instead of fixing the error, they adjusted my mortgage payment up to reflect the deficit balance in the new escrow account they opened, instead of going back to the county assessor to get the refund. During this time, I have continued to pay the regular mortgage payment I always have. 

Fast forward 6 months later, despite multiple calls and emails, they still haven't corrected the problem. They have now deemed my account delinquent and have submitted to the credit agencies and now my credit score has taken a dive. 

During all this, instead of fixing the problem, they have continued to spam me with emails and texts with promotional offers for mortgage rates, cash outs, prequalifications, etc while still sending me delinquent notices and reporting me to the credit agencies. 

I am at a loss on how to fix this. I have spent HOURS trying to correct a problem they created, and despite me sending all the documentation they've asked for, they are not correcting the problem. The agent I spoke to this morning, XXXX XXXX XXXX XXXX XXXX XXXX was downright rude to me and would not escalate the problem to someone who could help. 

Can you help resolve this?
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX DATE : XXXX XXXX ACCOUNT NUMBER : XXXX THE ACCOUNT STATUS AND PAYMENT HISTORY IS INCORRECT. PURSUANT TO THE FCRA I HAVE A RIGHT TO DISPUTE. PLEASE TO CONDUCT A REINVESTIGATION.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Triton Recovery Group (TX)

Formal Complaint Regarding Harassment, Bullying, and Violations of Consumer Rights by Triton Recovery Group Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Triton Recovery Group, a collection agency that has engaged in repeated harassment and threatening behavior despite my requests for them to cease contact. On XX/XX/year>, at approximately XXXX XXXX, they called my work line at XXXX repeatedly from XXXX after I had already requested that they place me on their do-not-call list. Their aggressive tactics and bullying tone have left me feeling harassed and intimidated. 

A representative named XXXX was particularly egregious in his behavior. He repeatedly stated that Triton Recovery Group does not fall under CFPB guidelines and that they can call and act however they please. He even went as far as to insult me, calling me ignorant for suggesting that their conduct was inappropriate and a violation of consumer protection laws. His statements and the agencys continued behavior make me concerned that they are operating outside the law in their attempts to collect what is, at this point, an unverifiable debt. 

I believe this company 's actions are in direct violation of consumer laws regarding debt collection practices. Their tactics include harassment, failure to respect my request for no further contact, and making threats to coerce payment. These actions go beyond standard collection efforts and cross into unlawful harassment. 
I respectfully request that the CFPB investigate Triton Recovery Groups practices, as they are using aggressive, threatening, and unlawful methods to intimidate consumers. Their disregard for consumer protection laws and refusal to acknowledge basic rights must be addressed to protect others from their bullying tactics. 

Thank you for your time and attention to this matter. I hope that action will be taken to hold this agency accountable for their violations.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

CASH APP - I opened new account XXXX for first time under a referral ( with referrer 's code ), linked my unaffiliated bank for first time and sent {$5.00}. For that I was supposed to receive {$5.00} and referrer was to get {$25.00}. Neither happened. Since conditions inducing my signing up were met, I contacted CashApp, but they would not rectify. Under the circumstances, I asked that it promptly remove all my personal information ( including birth date, bank account, phone number, etc. ). It would not. Please help, thank you
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not current in recording to the fur credit reporting act whenever I consumer reporting prep a customer reporting follow responsibilities procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 US code 1605 Responsibility of furnishers of information to consumers Reporting agencies :
Consumer complaint received 2024-08-09
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. (MI)

XXXX XXXX XXXX has been deleted following CFPB dispute. Both Experian and XXXX have refused to comply even after receiving paperwork. Companies have consistently stated they have ran disputes at FCRA requirements but have historically been incorrect. They have still failed to remove this account even after disputes