davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (IA)

On XX/XX/year> Cash App froze my account and I can not withdraw my funds. I sent my id, front and back and my id with my face in the pic. They will not give me my money. They said if I close my account, I will lose my funds. I have {$33.00} in their XXXX section of Cash App and wont let me have my funds.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

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 2023-11-30
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. (HI)

I found fraudulent unauthorized activity to my Chase checking account. I reported it to their claims department. They refunded 2 of the charges but did not refuse the largest and most recent charge saying it was past the 60 day limit of initial fraud activity. The web is of the unauthorized charges is the same of each charge and is from a XXXX user web id. The most recent {$410.00} charge was XX/XX/XXXX. They said they will not refund this m, though it is fraudulent activity, and the refunded the other 2 from the same XXXX use web id. I called XXXX and they shut down my account due to fraud and told me I had a XXXX balance anyway. I do not use XXXX, though I have an account. XXXX told me it was chases responsibility to help me get my money back. Chase said it was XXXX responsibility. I have not gotten my {$410.00} back.
Consumer complaint received 2024-07-08
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX. I detailed the violations to my consumer report and attached copies of all dispute letters. According to the Fair Credit Reporting Act and U.S. Code 1681e ( b ) and 1681i ( 5 ), these accounts must report accurately.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, Chase received a garnishment order to freeze my account from Texas. The takeaway. I am in California and have no ties to the state of Texas. My business account and personal were frozen. I am not a judgment debtor this was something about my XXXX XXXX who is a judgment debtor. Without delay Chase froze my personal and my business account. The business account had {$280000.00} in it and my personal was around {$420.00}. I asked Chase to unfreeze it, they told me handle it in Texas. I called a texas lawyer the lawyer told me not to appear because the court was biased and I would not get anywhere. If the court had no personal jursidiction on me by Texas law I dont need to respond. Instead I sued Chase in California and obtained a XXXX  in XX/XX/XXXX. The XXXX told Chase not to send my money to the Texas court but Chase said they were ordered to do it. This is a major issue because I am a California chase customer and my business account is also California. Chase ignored my XXXX  and sent the money in an out of state garnishment to Texas and now as I type this my money is being stolen out of state. Chase violated the law by doing this. My lawsuit for Chase is ongoing, but Chase has violated the law more ways than one. In the Chase terms of service it clearly says the governing law is the state I opened my accounts and that is in California. Chase ignored any chances to file Texas appeals and instead has robbed me and my business {$280000.00}. I now have to waste time and legal fees to get this back. This is absolutely a problem and I think Chase is doing this to others just as XXXX XXXX XXXX was caught in XXXX I think Chase is doing this now. Chase argued in their terms that if out of state issues arise that I authorize them automatically to use my funds as they wish. That's basically them saying they are getting customers to sign an agreement that breaks the law and takes away the protections a customer was given by the Governments. It does say if I have judicial notice and orders then I preserve my rights. The XXXX  I got was that right and Chase violated the XXXX  twice. They seeked a court order in Texas to control my California case as well. Again, Chase should have filed a Writ of Mandamus or an appeal about this to ensure California was the acknowledged jurisdiction.

The out of state garnishment case is XXXX in XXXX Texas at the XXXX XXXX XXXX .

My lawsuit in California against Chase and the Judgment creditors of my XXXX XXXX is CASE No. : XXXX in XXXX XXXX XXXX. 

This is a very serious issue and I am reporting this not only for my protection but I believe Chase bank is breaking the laws here on multiple occasions if this happened to me its going to happen to everyone. Thank you.
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (FL)

I received XXXX undisputed insurance checks to repair my kitchen and my roof. The check to repair for the kitchen was {$12000.00} and the roof check was for {$11000.00}. After several back and forth, I was told the kitchen check release has been approved on XX/XX/XXXX and a check written ; however, they will not send out for another XXXX to 10 days (??? ). The roof check will be monitored because at the time of loss, XX/XX/XXXX, my mortgage was behind. Please note, the mortgage was caught up by XXXX Assistance program in XX/XX/XXXX. The problem is the insurance company sent out a partial payment for the roof which is estimated at {$27000.00} to begin the work to re-roof. The insurance company gave us money to begin the repairs, now the mortgage company also want to monitor and give us one-fourth of the {$11000.00} check and hold the rest until the XXXX completes 95 % of the job. Hence, they will not start the job with a {$2900.00} check. I understand the mortgage company wanting to monitor repairs but to cause double jeopardy and hold part of a partial insurance payment is inconceivable. Keep in mind, the mortgage company 's threshold of {$40000.00} before monitoring. At this point I feel like they are doing this because I am XXXX and poor. XXXX is good and they will not take my property. They didn't last time and they will never. So, to treat us different because of late payment is wrong. XXXX thing has nothing to do with the other. I pay my private insurance through my escrow not Fay Servicing. I have also submitted the XXXX estimate and the lien waiver.
Consumer complaint received 2024-07-30
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (NY)

i was summoned to appear in court 2xs i went both times discovery order was made to prove the cad was mine never received anything i called the company and they sent me a XXXX XXXX XXXX debt from XXXX XXXX no charges but last statement XXXX unacceptable that i have to go to court 2x when these are collection agency and lawyers who should know the law in ny statue of limitations have expired on this long ago
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources (FL)

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. On Monday XX/XX/XXXX, a call was placed to FirstPoint Collections Resources , Inc. to dispute an alleged debut in accordance with 15 U.S.C 1692G ( b ). The call was answered by XXXX XXXX, XXXX id # XXXX. XXXX XXXX asked for the reference # which was provided to her and instantly proceeded to discuss the alleged debut without further verifying that she was speaking with the correct person instead of a third party in violation of 15 U.S.C. 1692C ( b ) XXXX XXXX was then asked to cease communication with the consumer in accordance with 15 U.S.C. 1692C ( c ) at which she became very, very oppressive, rude and abusive in violation of 15 U.S.C 1692D ( a ). She than began to use obscene language the natural consequence of which was used to abuse the caller in violation of 15 U.S.C 1692D ( a ) ( 2 )
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: EQUIFAX, INC. (IL)

I am disputing the completeness and accuracy of the Sun loan Company account with the account number XXXX. I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the Payment History and the High Credit amount is/are reporting inaccurately/incompletely.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I deposited an {$1800.00} check at Wells Fargo ATM on XX/XX/XXXX. The bank placed a hold on this check even though XXXX XXXX released the funds on XX/XX/XXXX. We have been given several different dates funds will be released none of which happen. We have called numerous times even went to a local branch.No one helps. XXXX XXXX has also reached out to bank to no avail. A banker at the local branch told us we could go ahead and pay our bills but there would be a {$35.00} overdraft fee for each one. Wells Fargo has caused me a lot of undue stress and has placed a great financial burden on my family. My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My husband and I have been Wells Fargo Customers for fifteen years.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (MO)

FMC offers reward points. I called to obtain my total accumulated points and IF I could use these reward points to obtain the navigation map update. Cost of {$100.00} for 1 download. I was informed yes, but first I had to get my points under 1 account. This was my initial call on XXXX. 

Below is a breakdown of the calls I made regarding this issue. 

I called FMC Reward Center XX/XX/XXXX at XXXX. Call lasted 21 minutes 41 seconds. 
Called again Friday XX/XX/XXXX at XXXX. Call lasted 9 minutes 26 seconds. 
Called again Tuesday XX/XX/XXXX at XXXX and XXXX. Total calls lasted 34 minutes. 
Called again Friday XX/XX/XXXX at XXXX. Total call lasted 1 hour 21 minutes and 42 seconds. 

As I indicated, I was able on the initial call to get my reward points under one account. 
I asked if I could obtain the navigation map system updated and was informed to allow time to have account updated with all reward points on one account. That happened on XX/XX/XXXX. 

On Tuesday XX/XX/XXXX I was informed that I was authorized and approved to obtain the update to the navigation maps. I was forwarded via text message on Tuesday XX/XX/XXXX at XXXXXXXX XXXX from phone number XXXX the instructions to update my navigation map system. 

On Friday XX/XX/XXXX I followed the instructions to update my navigation map system, however, I did not receive the confirmation message that my update was complete, so I then logged in to my FMC account online to see if I could see the update. Yes, I could the update pending, however, I received an error message. I called back in to the reward center to determine the status of my update. 

After calling in on XX/XX/XXXX, and being transferred 4-5 times, I was then informed that I was not able to obtain the navigation map update without first signing up for a subscription AND providing them a credit card number. I informed the CS representative that I was not interested in obtaining any subscription, but only the XXXX download of which I had already been approved for AND was never asked to provide my credit card number, or any sign up for a subscription. This was the first time I had heard of it through several phone calls to the reward center call center.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (PA)

See letter. 

Wells fargo continues to not address any statements or evidence presented in this letter. The only thing they did respond to is their employee telling me that any losses on credit cards are a tax write off for Wells Fargo. If all calls between my phone ( XXXX XXXX XXXX ) and theirs are listened to that conversation will absolutely be heard. They are either lying, inadequately researching the problem, or deleted the conversation.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (OR)

Attempted to change account address in order to access funds from loan due to issue with address not matching bank account address ( had just moved ). Account was locked due to suspicious activity XX/XX/XXXX. First called to try to regain account access XX/XX/XXXX, could not provide documents requested in initial email ( proof of address mail and photo of current ID ) due to having recently moved ( account address did not match actual address ). Attempted to explain this to customer service, received email with new list of instructions ( photo of ID, proof of address, photos of me holding ID showing both back and front ). Did not receive email back, called again XX/XX/XXXX. Received new list ( bank statement, credit card statement, utility bill, or government letter/document ) which I can not fulfill due to having just moved and utilities being in roommates name. Unwilling to send uncropped bank statement as it contains entire account number and email is not a secure method of communication as well as my account is connected to the service via an encrypted XXXX party app. Sent screenshot of address in banking app ( doesnt contain full account number ). Called again XX/XX/XXXX and was told must be bank statement, sent cropped version. Called again XX/XX/XXXX, was told it could not be a screenshot, was hung up on multiple times. Final call requested to speak directly to the department that handles these issues ( trust and security I believe ). Reiterated to person that initially answered phone that I understand this is not their fault, but this has been incredibly frustrating due to having a payment due on XX/XX/XXXX that I can not make unless my account is unlocked. Asked if I could just pay the loan amount and be done and was told no because the account is locked. Have not once received an email back about documentation and have had to call and ask each time to check on account status. XX/XX/XXXX had a MoneyLion WOW membership charge ( {$9.00} ) removed from my account ( required to obtain loan ) despite not having been able to access the service for approximately 1 month.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.