davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (NC)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.Credit Score:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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: JPMORGAN CHASE & CO. (NV)

XX/XX/XXXX I complain that a XXXX name is used in place of XXXX XXXX to display profile to lenders. XXXX name will not allow customer contact with lenders to receive financial services of internal revenue service from registered birth-given name. The XXXX name is a unusable red battery while XXXX customer 's given name is a armed green battery. I accidentally partially charged red battery XXXX name with signature from XXXX up until year XXXX while possessing armed green battery issued at birth year XXXX with XXXX birth-given name. XXXX XXXX staff XXXX be confused. I was born armed with a full battery, and I am not a unarmed red battery XXXX named immigrant. My signature is valid XXXX with XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northstar Location Services, LLC (OK)

I was not aware of this purchase and debt until they turned it over to a collection agency, Northstar Location Services , LLC on XX/XX/XXXX. I equested a credit report and it shows the debt was aquired in XXXXXXXX XXXX XXXX and then writen off XXXXXXXX XXXX XXXX. If I owed them this money, why would they write it off after I requested information.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase was in compliance with its own policies and procedures ; ( v ) whether Chase owed duties to myself, what the scope of those duties was, and whether Chase did not uphold those duties ; ( vi ) whether Chases conduct was unfair ; and ( vii ) whether Chase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2024-07-09
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. (FL)

Name : XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, Florida XXXX Date : XX/XX/year> In accordance with the fair crediting report act. The list of accounts has VIOLATED my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you investigate the completeness and accuracy of the list of accounts below. I am writing to dispute certain information on my credit report. 

I believe there is an error in the information provided, and I am requesting that it be investigated and corrected. The inaccurate information is damaging my credit profile and does not reflect my credit history accurately. as well as illegally charged off and sold to another collection company I request that investigate this matter and correct the disputed items as soon as possible. Please provide me with a copy of my corrected credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. Please inform me in writing of the results of your investigation. 


Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. Original Creditor was ( XXXX ) Account name XXXX XXXX XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX. XXXX, XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (NC)

Attempted to lease an apartment with a community and never moved into unit due to crime the day of move in. Manager allowed me to move with no penalty but i was later hit a year later with a collection on my credit report. I have requested for the company to validate the debt but have gotten no response for 90 days. per 15 USC 1681 I have no knowledge of this creditor and have not given them permission to report my information and they have furnished no documentation proving the validity of this debt.
Consumer complaint received 2024-08-14
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valentine and Kebartas, Inc. (ME)

XXXX XXXX XXXX  - Debt Collector : Don't forget about us. You missed your payment. To pay click XXXX XXXX XXXX. To optout txt STOP They texted me today at XXXX XXXX and I never set up a payment pal with them and I never heard about them before
Consumer complaint received 2024-08-14
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: Paypal Holdings, Inc (NY)

On XX/XX/year> my paypal card was lost. Someone used my card to make a {$100.00} charge to my account. Funds were removed before I could report the card lost or stolen. I opened up a dispute for the charges and the dispute was closed the same day. [ paypal is informing me the dispute was closed because funds were in my account. I reported the card lost or stolen but paypal refuses to investigate. I was informed they will not investigate the fraudulent charges and theft. I reopened the dispute after finding out it was closed the same day and PayPal refused to allow me to appeal the decision of the fraudulent charges. Just because I have credit on the account and someone else used XXXX card does not give paypal the reason to close the dispute. I did not authorize anyone to use my card.
Consumer complaint received 2024-08-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC (NV)

Hello and good day, I have made several attempts to request a pay off statement from XXXX XXXX my current mortgage lender. They have spent countless days delaying me every step of the way for this document. 
last attempt - XXXX XXXX : pm EST XX/XX/year> - called customer service delayed and had the try to make me stay wit teir company. 

On XX/XX/year> I submitted a request for my mortgage payoff statement via phone call and email. This document is crucial as I am in the process of closing on a new home, and the closing date is approaching rapidly.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IN)

I frequently use by card ending in XXXX, charging approximately {$60000.00} per year. I consider myself a good customer of the bank. I ask no special favors. I just want to be treated fairly. Today my card was denied for no apparent reason. Substituted another card, then went to the website. The site directed me to call XXXX. I did so, and the result was a nightmare of sitting on hold, listening to recording, fighting past menu selection, finally reaching people who did not understand why I was calling, or couldn't help me, or wouldn't help me, or put me on hold but dropped the call, or said they would transfer me to supervisors and then dropped the call. In XXXX instances, agents said they would call me back, but they never did. Ultimately, I realized it was going to be impossible to resolve the matter. So I called the number on the back of my card XXXX, and the results were the same.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Hello, I am an upset user on Venmo. I have {$XXXX} still stuck in my Venmo account due to my account being flagged as suspicious even tho I havent did anything at all, this problem has been ongoing since XX/XX/year>, yesterday XX/XX/year> my issue was resolved & my account was unfrozen but I couldnt use any of my debit cards to instantly transfer the funds from my account. So I was forced to use the standard Transfer method, then once again last night around XXXX am whilst I was sleeping, I received yet another email from Venmo stating that my account is once again being flagged for unusual activity & that its being suspended once again which prompted the standard transfer to be cancelled, i am quite furious because of this, I have bills to pay but its like Im playing Tug of war with my own money with you guys, this is absolutely ridiculous.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

I am ling this FTC adavit to report several separate fraudulent accounts appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX XXXX under the Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX under Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, Discover Bank Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-13
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. (NE)

On XX/XX/XXXX I requested that the fraud claim for the chase business card ending in XXXX be reopened and further investigated, this is my third request. 
I was told this account was opened in XXXX. I did not open this account. I have never been affiliated with the businesses XXXX. I have never made a payment on this account from my checking or savings accounts. I have never been in possession of this card, nor have I used it to make a purchase. I did not recieve any of the paper statements and I shared this XXXX XXXX XXXX my soon to be ex husband. He is still able to access this XXXX XXXX as the combination has not been changed and he still receives mail to this address. This debt did not show up on my credit report until he stopped making the payments this year. 
On XX/XX/XXXX I did request that an investigation be completed pertaining to what account the payments were made out of. 
To date, they have found me liable for the debt because paper statements were sent to my mailing address and a text verifying the account was sent to my phone. I only recieved this text because I was trying to access the account they were attempting to make me pay the debt on and needed to change the password, as I didn't set it up. 
I don't have the full card number as I've never been in possession of it.
Consumer complaint received 2024-08-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (PA)

Scott & Associates has obtained an old debt for a car loan. The debt is past the statues of limitations in Pennsylvania. They are going to try and take unfair tactics to collect on something that is not collectable in Pennsylvania, The debt is over XXXX XXXX XXXX.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I opened a checking account with Wells Fargo on XX/XX/24 under a promo that provided for a {$320.00} bonus after receiving direct deposits totaling at least {$1000.00} in 30 days. I received direct deposit of more than {$1000.00} within 30 days. I have not received the bonus. I have contacted the bank multiple times. The last time I communicated with the bank, they informed me the bonus should be credited by XX/XX/24, but as of today, XX/XX/24, I have still not received the bonus.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NJ)

XXXX had assured me that they would remove the unauthorized hard inquiry by XXXX XXXX XXXX XXXX  within XXXX  days of XXXX/XXXX/2024. Despite the persistent and numerous attempts, along with the submission of relevant documents by XXXX XXXX XXXX XXXX  XXXX the inquiry remains on my report. 
I urge you to direct XXXX to promptly remove my unauthorized Hard Inquiry. Despite repeated attempts, XXXX still needs to honor their promises of swift removal, leaving the unauthorized hard inquiry of XXXX, dated XXXX XXXX, 2023, on my report, to be removed.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (FL)

I have made numerous disputes about a derogatory mark on my credit report involving XXXX and Online Information Services ( representing XXXX XXXX ). I have provided a bank statement showing the amount of {$660.00} paid to Online Information Services, confirmation number XXXX, and my reference number XXXX for them to verify the debt has been fully paid. Online Information Services is claiming the debt is still valid, even though theyve removed it from my XXXX and XXXX report. XXXX is doing nothing about this, so they are abetting a collection agency engaging in fraud. I am prepared to take swift legal action if this is not resolved.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (AL)

I am REWRITING to WESTLAKE SERVICE INC to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Consumer complaint received 2024-08-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (ME)

Hi XXXX, Just letting you know about about an immediate funding program that is now available to XXXX homeowners. You can immediately access up to $ XXXX with no collateral at a competitive interest rate. 

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Just hit the button below to review/ update your information and review your options. Using this tool is free and there is no obligation ( checking is 100 % credit score safe ). 

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Support Team Quicken Loans Classic bait and switch turns out to be standard secured or home equity! Is it too much to ask for upfront honesty?
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

I awakened this morning to a notification that my cash app account was - {$170.00}. I had over {$370.00} in the account hours before. I opened the app and checked my emails. There were no indications or transactions showing that would have caused the withdrawal. I immediately emailed customer support and explained the issue. I have yet to hear anything from their end.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (ID)

The debt supposedly is with the Utah State Tax Commission. I have sent several letters to the Utah Tax Commission, and XXXX XXXX. They refuse to provide information about the debt. Just a demand for {$280.00}. Now I have gotten a letter from XXXX XXXX  but again no explanation. I am not real familiar with Collection Agencies and what is required but to the best of my knowledge they have certain requirements set under the FDCPA. It is to my understanding that in those requirements the collection letter is to explain my rights and what to do if I disagree with the debt. Also explain what the debt is for or about. They merely sent a letter demanding I give them {$280.00}.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (NC)

I took over the job as the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX NC in XX/XX/year>. I was assigned/given the cell phone with the number XXXX as my work phone for emergency contact for XXXX XXXX XXXX XXXX XXXX XXXX XXXX This number I presume had been the number of previous XXXX XXXXXXXX XXXX  for this XXXX. I have never used it for any personal transaction and therefore know that besides my very good credit history, there is no way any collection agency would be calling this number for me. 

I now receive numerous calls from this collection agent with a long XXXX XXXX XXXX XXXX  before I can ask for someone to take this call off the list. They always want to " harvest '' information from me and provide nothing other than to say I am belligerant, which I have now become because of this nuisance.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KS)

On XXXX my Venmo account was frozen with no warning. My requests and transfers were cancelled and I am not able o access funds in the account. I was told I would have to wait 10 business days for someone to email me about the situation. I need access to the account sooner than that.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NE)

I am being charged four separate interest rate charges each month. This began in XXXX. My minimum payment is between $ XXXX {$520.00} per month. The amount of interest I'm being charged per month is around {$300.00}. So of the approximate {$500.00} I am paying, {$300.00} of it is interest. Simple math tells you that's 60 % interest. The credit card company ( citi ) claims that I agreed to " promotional offers '' at a certain interest rate. After the offer ended, I agreed that the rate would increase ( like double ). Over the years, this has compounded into the current 60 %. I never agreed to anything, not by phone or mail or email. The phone number that was on my account was a landline that I haven't had for 15 years. I spoke with an accounting supervisor who agreed that I am " technically '' being charged 60 % interest but that he's sorry, there's nothing I can do about it. When I asked him HOW I agreed to these charges, he said it was through mail. I told him I haven't received anything in the mail from citi in years and he just said he's sorry to hear that. This is fraud in its purest form. I'm sure they'll get away with it because they're a huge company and they can just take the money they're stealing from their customers and pay off the right people.