davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (RI)

In the month of XXXX, I had to emergency move from where I used to live. This required me to have to withdraw funds from my XXXX funds at XXXX XXXX, my job. The amount I requested came in 2 separate checks in which I uploaded to Chase mobile deposit. They flagged 1/2 of the checks and placed a hold on my account. With time, they ended up suspending the checks and closing all the accounts I have with them. 

Over the course of the months, I am still fighting to get access to the money I worked years to earn. At my last attempt, I requested that the representative I spoke to at Chase would escalate my situation to their supervisor which they did after going back and forth about how nothing can be done. I re-explained myself to the Supervisor and they assured me they were going to help. After being on hold for almost 45 minutes, she added me to a 3 way call with XXXX XXXX XXXX XXXX XXXX XXXX who then confirmed that I did withdraw those funds. XXXX XXXX also explained that all specific information on the check itself can be available when they get in contact with XXXX XXXXXXXX XXXX, the bank that disbursed the funds. 

While the XXXX XXXX representative went to retrieve that information about the checks to answer JPMorgan Chase 's questions about the validity of the check, the supervisor told me that they were not willing to wait on hold. They then hung up on XXXX XXXX and advised me to tell XXXX XXXX to have all their information ready the next time I make an attempt. 


After fighting for 5 months for my own funds to released to me, I still have to deal with people that are not willing to do their jobs as part as customer Service. I am willing to submit anything that would prove my job at XXXX XXXX and confirmation of payment of funds sent. The Chase branch members took copies all this information and promised escalation and I haven't heard back for 4 months.
Consumer complaint received 2024-07-31
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made
Consumer complaint received 2024-06-29
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

Hey so I was selling this wedding dress on my depop and this woman started texting me and asking me about the dress she was very convincing and I fell for it she even gave me an email that looked very similar of the email of the company I was selling my clothes XXXX  her story was that she tried buying my dress but her transaction was declined because my account wasnt activated some made up story the resolution was to send them a XXXX $ gift card so the payment would go through to my account and I fell for it because they were asking for XXXX $ more and there was no way I was gon na give anyone XXXX $ the company I bought the gift card from was vanilla visa gift card
Consumer complaint received 2023-10-26
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 recently reviewed a copy of my credit report. There are multiple accounts on my report that I don't recognize. I did not open these accounts. I have not used these accounts. These accounts should not be on my report. 

XXXX : XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$720.00}. 
XXXX. XXXX XXXX XXXX XXXX # XXXX, date opened XX/XX/XXXX, amount of {$220.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$620.00}. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, date opened XX/XX/XXXX, amount of {$340.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$200.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$120.00}. 
XXXX. XXXX XXXX XXXX XXXX  XXXX, date opened XX/XX/XXXX, amount of {$610.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$640.00}.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Dear Macy 's / XXXX, I hope this message finds you well. I am writing to express my disagreement with the findings regarding my account, which I believe is not accurately reflecting on my credit report as being late on XXXX and XX/XX/year>. 

I opened this account in XX/XX/year> with the intention of improving my credit score, based on the excellent customer service I received every time I visited your store. I take great pride in consistently paying my bills on time with all of my creditors. Therefore, I was surprised and deeply affected when I discovered discrepancies on my credit report, causing significant XXXX XXXX XXXX 

Last year, I faced several XXXX XXXX, including XXXX due to XXXX. During this time, I may not have been as attentive to my financial matters as usual. While I understand that you did not receive returned mail, I want to clarify that I did not receive statements at the address provided. Additionally, I believed that payments were being automatically deducted from my current bank account each month. 

I strongly disagree with the assertion that I was late on payments between XXXX through XX/XX/year>. This is incorrect, and I am perplexed as to how this misunderstanding occurred. My belief was that payments were made promptly upon receipt of statements. It is possible that my statements did not reach me during this period.
Consumer complaint received 2024-07-31
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. (TN)

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-2 ) 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc. (NY)

I submitted to have adviser items blocked The Regulations dictate specific time frames within which consumer reporting agencies must respond after receiving a request for blocking 4 business days Block the reporting of any adverse item of information identified by the consumer 5 business days Notify a consumer if additional information is necessary for the purpose of completing the submission and attempt to resolve any deficiency in the consumer 's submission I have not receive anything and the items are not blocked. This is in violation section 605C of the Fair Credit Reporting Act for XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (AZ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2024-06-29
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 (MA)

Briefly, over the past week ( XXXX XXXX ) numerous attempts to use, or convert, a fully activated American Express XXXX XXXX to accessible funds ANYWHERE ( in-store and online ) have been denied. There is a {$1000.00} balance on the card.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kimball, Tirey & St. John LLP (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Amount ( {$680.00} ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX XXXX XXXX for XXXX Collection Activity Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX agency that has reported me to collections for a debt that I have no knowledge of and never authorized. 

I have never conducted any business with XXXX XXXX & XXXX XXXX, nor have I given them permission to act on my behalf in any financial matters. Their unauthorized actions have caused significant distress and adversely affected my credit score. 

XXXX XXXX XXXX XXXX XXXX actions are in violation of multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692f ( 8 ) - Prohibition against unfair practices : The company has used unfair and unconscionable means to collect a debt that I do not owe.

15 U.S. Code 1692d ( 1 ) - Prohibition against harassment or abuse : The company has engaged in conduct which is designed to harass, oppress, or abuse me by reporting an unauthorized and non-existent debt.

15 U.S. Code 1692d ( 2 ) - Prohibition against harassment or abuse : The company has used language and means of communication that are abusive and harmful. 
I am requesting the following actions to rectify this situation : An immediate investigation into this matter by XXXX XXXX & XXXX XXXX. 
XXXX removal of this erroneous collection account from my credit report. 
A written confirmation from XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies that this collection account has been removed. 
Enclosed with this letter, you will find copies of my dispute letters to the credit reporting agencies and any relevant documentation supporting my claim. 

I trust that the Consumer Financial Protection Bureau will act promptly to address this serious issue and ensure that XXXX XXXX & XXXX XXXX XXXX this mistake immediately. Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2027 I called the original creditor TD Bank USA/ Target Credi Phone number : XXXX in regards of getting information on the account of asking for a 1099 c form since the credit card debt was paid off. Was told by the representative that my old account was in a collection agency name XXXX XXXX XXXX. The phone number that was given to me was XXXX. Called multiple times throughout the day for two days with no response to ask for a 1099 C form since the debt was paid by them and should be reported at a {$0.00} balance, and according to Law FRCA section 605B, it is illegal to report any information on my credit report without my permission which I have not given. This matter needs to be investigated and deleted. 
Thank you.
Consumer complaint received 2024-06-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (CT)

I bought four ( 4 ) {$500.00} Vanilla gift cards. After reading the terms and conditions, I called to request that the cards be closed and a refund mailed to me. I was told to email the requested information and reference case XXXX. I emailed that information XX/XX/year>, and received a confirmation email that my request had been received. After not receiving a refund check, I called again around XX/XX/year>, and was again told to email the information, which I did on XX/XX/year>. The process repeated again, with me calling and then emailing on XX/XX/year>. I called Vanilla four times since sending that email on XX/XX/XXXX, and was told each time that I would need to wait 48 to 72 hours for an update. I was told that same information each time I called, despite waiting more than 72 hours between each call. I called again today, XX/XX/XXXX, and was told the same thing. No one is able to provide any information other than the fact that my request has been received and that I need to wait 48 to 72 hours. Vanilla is holding my {$2000.00} hostage, despite the fact that I have requested a refund which is fully supported by their written terms & conditions, which states : IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL XXXX TO CANCEL THE CARD AND TO REQUEST A REFUND.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

I had a fight with my mortgage company after XXXX about forced insurance. XXXX XXXX I didnt need it. They stopped taking my payments. Then they said they made a mistake. They offered to defer the loan to the end ( for the year we fought ) and lower the interest rate to 1 %. I asked about my second mortgage and I was told it was no longer an issue. I assumed discharged in XXXX and my paperwork through modification refers that to get the 1 % through Hamp. We settled. No bills for years. Then 9 years in I got statements showing a second mortgage then 10 years they liened me and threatened foreclosure. I showed them the prior loan servicer attorneys settlement with Me. The deferment. The 1 %. They replied he should not have done that then bank if New York and new service provider and I settled. I paid about XXXX. I fell behind in my primary mortgage who lost 5 cashiers checks. I reissued one and the other got found and sent a month later. I got an accounting showing a XXXX loan transfer fee? The letters kept raising the amount due. I sent them in and they credited me and sent a letter saying it was complicated. This was XXXX XXXXXXXX XXXX, both banks defrauded me. I have struggled badly, ended my marriage. Bank of New York and XXXX violated the statute and violated my settlement. XXXX XXXX  XXXX stole from me but then credited some back. Criminals. XXXX XXXX XXXX. I plan on suing
Consumer complaint received 2024-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I have again spent multiple days attempting to access my student loan account. The website is always down and attempts to contact the company by phone result in lengthy hold times ( sometimes an hour ) that I have to abandon so I can properly work at my job, only to repeat the process again the next time I call. If they want my money, they should be working to fix their systems so paying is easier. This is my second complaint filed against Nelnet. I am thankful this site exists so these complaints can be logged. Hopefully it will lead to wider solutions to their system issues instead of the little bandaid fixes. I received an email today letting me know there was new correspondence to view, but I can not even get to it or talk to anyone about what it might be. Hopefully it is not communication about penalties.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (AL)

I bank with XXXX. The bank phone number was spoofed. They called and told me of fraudulent charges pending on my account and walked me through the process to solve it. 

At the time I was at work and stressed and this seemed legitimate at the time. The number to call was XXXX which is set up to be " XXXXXXXX Zelle Fraud '' helpline. 

The first call it was " Supervisor XXXX '' and the second call was " XXXX ''. 

They walked me through the process and in the end I was scammed out of {$990.00} Please investigate this and make others aware so they don't fall for it.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disputing the accuracy of the late/missed payment entries on my credit report maintained by your reporting agencies. Despite my efforts to ensure timely payments, there are inaccuracies in the reporting that negatively impact my credit score. According to my understanding, credit bureaus are required to complete a thorough XXXX inspection before adding any late or missed payments to a consumer 's credit report. This inspection process is crucial to ensure that the information reported is accurate and corresponds to the date of receipt of payments or letters from consumers. 

In my case, the necessary XXXX inspection seems to have been overlooked, resulting in the incorrect reporting of late/missed payments. This has caused unjustified harm to my credit profile. I have not received any confirmation that these reporting agencies conducted this comprehensive inspection prior to reporting these late payments. Therefore, I am requesting verification and validation of these entries.