davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

Dear XXXX, I am writing to address a pressing matter regarding the XXXX XXXX. 
It has come to my attention that there appears to be a misunderstanding concerning the condition of the XXXX XXXX. I must emphasize that during my entire tenancy, I never spent a single night in the apartment due to its deplorable conditions. Despite my repeated attempts to rectify the situation, the issues persisted, rendering the premises uninhabitable and unsuitable for residency. 
Throughout the duration of the lease, the apartment was infested with roaches and emitted a persistently foul odor and mold found in the kitchen. Despite my efforts to communicate these concerns to the leasing agent promptly and to seek resolution, no effective action was taken to address the conditions. As a result, it was impossible for me to occupy the premises or even consider it as a habitable living space. I was also not allowed to look at my room until I finished signing the lease. 
Given the circumstances outlined above, I hereby request to be free of all debt of {$2800.00}. It is imperative to note that tried multiple time for the first XXXX months releasing the apartment which was the only option they gave to get off the lease however, I was unsuccessful. The XXXX XXXXas also had a negative history in the past were others experienced similar situations. I also have photographic evidence of the state of the apartment. 
I trust that we can resolve this matter amicably and avoid any further escalation. If you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

I mobile deposited a check XX/XX/XXXX for {$720.00} Check accepted and later got email that the check was going to be held for 10 days. Available on XX/XX/XXXX. 
Around rolls XX/XX/XXXX and they still have a restriction on my account. I promptly call in on XX/XX/XXXX and they say they need to verify the maker of the check. XXXX XXXX XXXX. I tell them the check is from XXXX XXXX and was a refund after I cancelled my credit card account. I had a {$720.00} credit with them, so they had to cut me a check. So, to start they are looking for XXXX XXXX XXXX info to verify check, and it's really XXXX, which is printed on the check. Anyways, they are unable to verify the check with any numbers they have turned up and ask me for a number. Off the top of my head, I'm unsure so I have to call back. I call XXXX banks ( which is also on the check ) and they say they are just a 3rd party and give me a number, XXXX  XXXX, I then call CHASE back and give them that number plus another XXXX they both come back as not linked up to CHASE bank and deny me both, and again ask me for a number to verify the maker of the check, and refer to tXXXX XXXX XXXX and ask if the stub to the check had a check verification number, and it didn't. Then the rep proceeded to tell me that they have gotten check from XXXX before and none looked like this one, and that they don't usually provide checks when cards are cancelled. WELL, first of all I had overpaid my credit card and had a Credit balance. I tried to explain that, and they won't accept anything. I will provide/attach the statement showing the overpayments and the credit check issued, and they also won't accept that either. I called XXXX ( the people who clearly state their name on the check ) and asked them how Chase could officially verify the check, and they said to have them call customer service at XXXX, but then Chase won't accept that as a point of contact for them so back to square one. They also stated that they are doing everything they can to help. So, they are just allowed to take my funds after I have exhausted all my options as far as what i can do and provide on several different occasions. Also, they told me, that the check would be available for use on XX/XX/XXXX, and until they locked my online access, It even should as an available balance. I would like use of my debit card and funds like they promised. I have done nothing wrong.
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

Someone in Texas used my name and SS number to open a utility account with XXXX XXXX in XXXX TX. This account was sent to a collection agency called Transworld Inc. and is appearing on my credit report. I have contacted XXXX XXXX and began the dispute process, but they need documentation from you. I tried to dispute the debt with the credit agencies but they are uncooperative.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (GA)

This company has called my parents, my XXXX husband form XXXX  years ago and has used phones calls to harrass and try to put fear into all of these people by way of telling them they are coming to 'arrest ' me if I do not respond. I called and the XXXX said you have a litigation against you and ypu owe XXXX. I wish you luck. ' These were exact words. I asked for her Information. She said she did not have to give me any information and when I asked for the website to confirm the info, she said they do not have a website and they do not have to disclose anything to me. They have have called my phone approximately XXXX times. They have scared my mother that they were coming to arrest me. XXXX said she is the only personI can speak with and she doesn't have to give me any info. Again, she just said good luck.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (AZ)

I have my mortgage through XXXX XXXX, who after years sent the loan to Chase Home Mortgage for the servicing, earlier this year. Ever since Chase has been servicing the loan they have been unable to apply my payments correctly, I send half my mortgage payment with each by-weekly pay cycle and Chase continuously applies my payments to the principal balance and not as a regular payment. This prevents my due date from advancing and causes me to have to take the additional action of emailing Chase each month and asking them to correct the payment posting. Not only is having to contact my servicer monthly something that should be unnecessary, but it also creates a situation where my loan will go into default should I ever be unable to contact Chase about the payment application. I reached out to Chase regarding this issue several times, the most recent being escalated to an escalations group, to no avail. XXXX XXXX  serviced my loan for years and I made payments in the same fashion without any issue, if Chase can not post my mortgage payments correctly, I would request that they send my mortgage back to XXXX XXXX  for the servicing.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This was paid and settled in XX/XX/year>, I spoke with a representative on the phone along with my real estate agent to ensure this would be paid and deleted off my credit report. They assured me that it would and sent me an email stating this. The debt has been paid for over a year and yet it still remains only on my Experian credit report. Please have them remove this, I am trying to purchase a home, this is rendering my availability.
Consumer complaint received 2024-07-09
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: Westlake Services, LLC (TX)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C cancelation of debt from the following charged off accounts below. WESTLAKE FINACIAL SVC XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. please send 1099-C form.
Consumer complaint received 2023-12-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MO)

I bought a US bank XXXX gift card FYI Card # XXXX ccv XXXX Barcode # XXXX I made a flight book with XXXX, and there is an issue with the credit back so XXXX customer service suggested me to contact card issuer for refund ( this doesn't matter ). 

So I contacted USBank prepaid gift card customer service. Talking about open a dispute on payment. But I didn't proceed the dispute since the customer service told me, that will takes 180 days for investigation. So I quit, told that customer service stop it. 
( USBank Prepaid GC dpt. gets every phone call on recording, you can check the voice recording for, if I authorize the dispute ). 

Then I talked with XXXX customer service and finally, after XXXX hour talk, I get my refund perfectly back to my card. XX/XX/2023. 
And XXXX day later, I checked with USB GC auto-phone call, the balance {$500.00} was back. 
Landing safe for now. ( And my card wasn't replaced for now, since if the card is replaced, customer can not reach to auto-phone call, can not self-check balance with auto-phone call ) Then my nightmare came. 
Around 3 days later, approaching XXXX, I tried double check the card balance, since I know the USB GC is not someone good to use, so that I can avoid embarrassing of declined payment while trying to sweep the card in store. 

!!! I dial the auto-phone call number again, I was astonished transferred to human customer service, that's mean, something not right happened on my card, MY CARD WAS REPLACED. 

My card was replaced, without my authorization ; The replacing reason is, an un-authorized dispute. 
Init a dispute, without customer 's permission, is not right. 
Replace customer 's card, is also not right. 

But it's okay I'm trying not to be hash. 
I'm not happy with missed the oppotinute using the card on XXXX Friday, but fine. 

I talked with the USB GC customer service, they said the replaced card would with me on XXXX. 

But now, XX/XX/XXXX, still don't get. 

And a customer service told me it's still on time frame ( XXXX bs days ) ( while the previous customer service told me it is around XXXX bs days )
Consumer complaint received 2024-06-28
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: U.S. BANCORP (AZ)

Received a XXXX gift card as a gift from a friend. Tried to register the card online and it gave me an error and said to call XXXX. When I called, they requested copy of the card and photo ID so that the card can be replaced. On XX/XX/year> - sent fax with all information requested to fax # XXXX. When I called to follow up, they said that they did not receive. Sent another fax on XX/XX/year> and when I followed up, they said that my drivers license was not legible and too dark. I faxed again on XX/XX/year> and also mailed in all documents. On the cover letter each time, I wrote that the card number is not legible on the photocopy and wrote out the card number. The numbers are white and parts of the background design are white so you can barely see the numbers in person. Called on XX/XX/year> to follow up and now they are saying they can not do anything because they can not read the actual card number on the card ( even though the number is on the fax cover sheet ). I told them it is a design flaw, and asked what are my other options to submit since I can't online since it was giving me an error. Asked for supervisor, on hold for XXXX minutes and then hung up on me. This company, for whatever reason, put a hold or stopped this gift card from being able to be used and now making it extremely difficult and impossible to submit the information they requested for a replacement card.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I went into a chase bank to use the ATM. I deposited {$6000.00}. It was too much money and the machine stopped accepting deposits for the day. It gave me a receipt to file claim. I reached out to XXXX corporate and allow them to do their research, they credited me back {$1000.00} and told me they couldnt verify the rest, I reached out to the local bank and they also said they could not do anything further.
Consumer complaint received 2024-06-17
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. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account with a balance of {$67.00} ; XXXX  account with a balance of {$52.00} ; Affirm account with a balance of {$68.00} ; XXXX account with a balance of {$67.00} ; XXXX Affirm accounts that are paid and closed ; XXXX XXXXXXXX account with a balance of {$1500.00} ; and the XXXX XXXX credit card. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I spoke with representative along with my real estate agent, we had to pay this off in order for our mortgage to be approved. It was paid and the rep said we would receive an email stating this and they would submit to credit bureaus and it would be paid in full status and deleted off my credit bureaus, this was our verbal agreement. It is attached as well via email. It still as of today is on my credit reports. This is not okay, I have proof it was settled and needs deleted off my credit report.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Bank , N.A . 

This Is An Urgent Request for Resolution of Unauthorized Transactions and Security Breaches Dear Sir/Madam, I am writing to formally request immediate intervention and resolution of serious issues involving unauthorized access and transactions in my Wells Fargo bank account. Despite my previous efforts to rectify security issues, my account continues to be compromised, indicating a significant and ongoing breach. 

Account Security Breaches : Unauthorized Transactions : Unauthorized electronic funds transfers and XXXX transactions totaling {$3800.00} were made from my account to unknown parties without my authorization. 
Unauthorized Account Changes : My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evidenced by the attached notifications. 

Unauthorized Use of Transfer Service : Transactions involving the transfer service XXXX were made, a service I have never used. These transactions necessitate a full refund by Wells Fargo. 
Dispute with Wells Fargo : My claims have been previously rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory and inadequate. 
Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation by Wells Fargo, recrediting of my account for unauthorized transactions, and a written explanation of their findings.

Request for Wells Fargo Action : I kindly request Wells Fargo to : Investigate the ongoing unauthorized access and transactions in my account. 
Identify and provide the IP addresses used to log into my account and change my password without my consent. 
Ensure adherence to the provisions of the Electronic Funds Transfer Act ( Regulation E ) by conducting a thorough investigation, providing a detailed written explanation, and recrediting my account for the unauthorized transactions.

Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 
Notification of email unenrollment from XXXX transactions. 
Evidence of unauthorized transactions involving XXXX. 
Police report and additional documentation evidencing unauthorized access and transactions. 
Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these critical security issues. 

If Wells Fargo fails to respond to this demand within 15 days of receipt, I will have no choice but to file a complaint pursue legal action in small claims court to recover my losses and address this ongoing security issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

My Fidelity Rewards card 's statement generally arrives two weeks after the due date. As a consequence I was late paying for the billing period ending XX/XX/23. Having just returned from a month in XXXX, I only found out about it because they turned off my card without notification ( or statement ). I called to inquire and complain. They waived the late fee and blamed the USPS, but offer no suggestion or guidance regarding a remedy. 
I was late again for XXXX 's billing period. I place the same call, same complaint regarding the untimely statements, was once again told the blame lay with the USPS. they waived the fee. 
Today, same thing, same result, but they would not waive the fee ( {$41.00} ). At least this time the representative was helpful enough to walk me through their website to set up alerts to try and prevent a four-peat. 
I'm XXXX XXXX XXXX. Prior to geiing this card and another, my credit score was about 830 ( another sore subject ). I pay about a dozen bills every month, on time! I've never had this problem before. 
Is it legal for a company to charge a late fee when they consistently do no remit a timely statement?