davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of 15 U.S.C. 1125 ( a ) Complaint Against : 1. Experian 2. XXXX 3. XXXX Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies Experian, XXXX, and XXXX for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : 1. Experian : Reporting a balance of {$17000.00} on forgiven student loans. 
2. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
3. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian, XXXX, and XXXX correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

{$10000.00} was scammed from my Cashapp account that I use for my savings because I earned monthly interest there. Cashapp closed my account and then wouldnt respond to me when I was trying to get ahold of them. It took a bot an hour to respond. This happened on XXXX. Im only XXXX I live alone and I now have {$0.00}. I need help please.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of 15 U.S.C. 1125 ( a ) Complaint Against : 1. XXXX 2. Equifax 3. XXXX Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies XXXX, Equifax, and XXXX for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : 1. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
2. Equifax : Reporting a balance of {$17000.00} on forgiven student loans.

3. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX, Equifax, and XXXX correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (OH)

Pursuant to USC 8, I owe no debt. I do not have a contract with Halsted financial. This company is violating my consumer right to privacy. I have never had an XXXX XXXX. This company claimed I made a XXXX dollar payment out of my checking account on XXXX/XXXX/2023. I have only made a XXXX payment to my XXXX XXXX account. See attached. It also has the name XXXX on the email and text message which I am not. This company keeps sending me threatening emails and text messages while I am work. I work XXXX jobs and am gone from XXXX XXXX  to XXXX every night 6 days a week. This is harassment to the highest degree.
Consumer complaint received 2024-06-29
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: AMERICAN EXPRESS COMPANY (CT)

In XXXX of XXXX I had received an email about being approved for a credit card for Amex, but I hadn't applied to a credit card through Amex. 


In XXXX of XXXX, I was informed via email that my application for a credit card through XXXX XXXXXXXX had been denied, but I hadn't applied to a credit card through XXXX XXXXXXXX.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has been closed for a year but the credit report keeps saying Im late even though I have no access to this bank account. If its closed why is it showing up as late not to mention there are many discrepancies with this report such as the accuracy of payment dates etc
Consumer complaint received 2024-07-16
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. (AZ)

I am writing to formally request the removal of a bankruptcy notation from my credit report. I believe this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which outlines the permissible purposes for which consumer reports can be furnished. 

I have not provided written consent for the inclusion of this bankruptcy on my credit report. According to the FCRA, consumer reporting agencies are only permitted to include information on a credit report if they have a permissible purpose, which includes obtaining the consumers consent. Since no such consent was given, the inclusion of the bankruptcy entry on my credit report is unlawful. 

Please investigate this matter and provide a resolution by removing the bankruptcy notation from my credit report immediately. I also request that you provide written confirmation of the removal and an updated copy of my credit report reflecting this change. 

If this erroneous mark is not removed from my credit report, I will be left with no choice but to pursue legal action to protect my rights. I will take this matter to court and demand damages for the harm caused by this unauthorized reporting. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing a formal complaint against Bank of America regarding their mishandling of an unauthorized transaction on my account, which occurred on XX/XX/2024, involving a purchase on XXXX. The banks actions have been unjust and have caused significant distress. 

1. Unauthorized Transaction : On XX/XX/2024, my account was charged for a purchase on XXXX that I did not authorize or initiate. This transaction is clearly fraudulent, and I immediately notified Bank of America upon discovering it. 
2. Banks Response and Dispute Handling : Initially, Bank of America credited the amount back to my account and acknowledged the unauthorized nature of the transaction. However, I recently received a notification stating their intent to reverse the credit and impose claim-related fees. They accused me of making the transaction myself and demanded additional evidence to prove my innocence. 
3. Communication with Bank of America : Following their accusation, I promptly communicated with Bank of America and provided extensive evidence to support my claim, including : A copy of my flight ticket dated XX/XX/2024, confirming my return from XXXX XXXX and establishing my physical location at home XXXX XXXX XXXXduring the disputed period. 
A record of the XXXX transaction from XXXX XXXX XXXX XXXX ( XXXX ) to my home at XXXX  on XX/XX/2024, further verifying my whereabouts. 
Chat history in XXXX with a friend, detailing my intensive video editing activities at home from XX/XX/XXXX to XX/XX/2024, demonstrating my focus and lack of time for unauthorized transactions. 
A signed statement unequivocally affirming that I did not authorize the transaction on XXXX. 
4. Extended Investigation Period : Despite providing comprehensive evidence, Bank of America has informed me that they require an additional 45 days to investigate this matter. This extended timeframe is unreasonable and has caused undue financial and emotional stress. 
5. Request for Intervention : I urgently request the Consumer Financial Protection Bureau to intervene and expedite the resolution of this dispute. Bank of Americas prolonged investigation period without clear justification is unacceptable, and I fear further financial harm if this matter is not resolved promptly. 
6. Concerns : I am deeply disappointed by Bank of Americas mishandling of this issue and their unjust treatment of me as a customer. Their demand for additional evidence and unreasonable investigation period have severely impacted my trust in their commitment to customer protection and fair dispute resolution practices. 
7. Contact Information : Name : XXXX XXXX Account Number : XXXX Phone Number : XXXX Email : XXXX I urgently request your immediate attention to this matter. Your intervention is crucial to ensuring a fair resolution and restoring my confidence in banking consumer protections. 

Thank you for your prompt action and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (WA)

I had an account with Credit Karma Money and had a debit card and also had direct deposit set up for my paychecks to deposit into my account every payday. On or about XX/XX/XXXX I contacted Credit Karma to report my wallet had been lost or stolen and i needed to cancel my card and request a new card. Then im told that alot of charges were on my account so i disputed all of them and i was asked basic questions to begin their investigation and one of the questions they asked was did i share my pin number or authorize anyone to use my account and i told them that back in XXXX i was in a terrible car wreck and as a result from the accident i ended up with a blood clot the size of a dime in my right leg and over time the clot has made its way all the way up to the middle backside of my brain and is now approx the size of a XXXX cent piece and if it moves anymore it may kill me and due to its location it hinders my memory alot so im required to write down all my pins/passwords on paper and keep with my cards in my wallet and whomever found or took my wallet not only had access to all my bank cards but total access to all of my accounts. Well, eventually my dispute was denied so i appealed the denial and asked why i was denied and they said becuase the card was present during some of the fraudulant card usage and i siad of course it was and so was my entire wallet probably so i kept appealing their denials. On the XXXX appeal that i submitted approx an hour after i got off the phone from submitting the appeal, i got an email that said that they are closing out my account and whatever funds are still in account they will nail out a check and instructed me to detroy all my banking related stuff and the account will no longer be valid and not to attempt to reopen another account as those will be deactivated as well. So i called them and said it boils down to they are discriminating against my medical XXXX by closing my account and is not even right to do and they said they were closing the account because their was no activity at all for 2 years and i siad i juat used it less then a week ago and they said they see that and said to not worry about it and to ignore the email i got as my account is fine. Well, it was not fine, a few days later i inquired on my dispute and immediately afterwards they closed my account on me and now i dont have an account and i said this is all because of my XXXX cuz if i didnt have my pins on paper to allow access when my wallet was taken none of this would of ever happened and my account would still be ok. I got XXXX mesage from them said i allowed access to my account with my pin and my denial is final and if i must seek my money back then i need to talk to each merchant myself as they wont help. This is totally wrong i cant help my XXXX!
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

I hold two Mortages with NationStar DBA Mr. Cooper I submitted additional principal payments each month, they began applying them to future monthly payments. I called made them aware they were applying the additional principal incorrectly on both loans, they reversed payments and then began again incorrectly applying the payments. I called again, they transferred one loan to a subsidiary this continued, I called again when they issued incorrect XXXX which they kept around XXXX $ in extra interest due to incorrectly applying regular additional principal payments, they corrected one loan but not the other, then transferred both loans to another subsidiary RushMore servicing. I split the payments in my auto pay and place clear instructions with Rushmore that the additional payment monthly is additional principal. Rushmore is refusing to apply it and is placing the added payments toward future principal and interest again. I have kept exact dates of payments all made through XXXX XXXX XXXXXXXX and kept the records of how Nationstar is applying them incorrectly.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Throughout this and last months, beginning on XX/XX/XXXX, I've tried to reach out to XXXX of TransUnion and XXXX ( XX/XX/XXXX ) to get an account to manage a credit freeze. Every time, both credit bureaus put me on long holds, and once someone answers the line, he or she gives me the wrong instructions to create an account. 

I am totally frustrated with the lack of service of these agencies charged with monitoring personal credit. Once I got a hold of a TransUnion employee, I decided to deactivate my account since I couldn't log in to it. XXXX is just as bad in not even attending to their phone or providing a way to access the service. Both bureaus stonewall me to access a credit freeze.
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: Opportunity Financial, LLC (NV)

Creditor reports account was charged off but never sent a XXXX cancellation of debt form. This account is inaccurate and needs to be removed. 
I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/year> a service fee of {$16.00} dollars was charged on XXXX checking accounts. A total of {$80.00}. 

When opening the accounts, I read the Business Schedule of Fees ( Please See attached ). This document shows that the fee will be waived if I " maintain a {$5000.00} combined average monthly balance '' I understood this very clearly, that I must maintain {$5000.00} between my Bank of America business accounts. 

XX/XX/year> I called in the first lady I spoke with stated that this is only for linked accounts. I asked if she could show me where it stated this in any documentation, and she could not produce any clarification or documents that states this. I asked to speak with a super visor and was put on hold for over XXXX minutes. The lady came back on the phone and instead of transferring me, started processing a refund for the fees. At this point I was frustrated and started recording the call. 

I was finally transferred to the supervisor. She reviewed fees and refunded fee 's but could not guarantee that I would not be charged moving forward. ( Audio recording is to large of file to attach ) The last XXXX minutes she states that she did not have any documents that would clarify what " Combined '' means.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (RI)

I opening an account and transferred {$140000.00} from my XXXX XXXX account into this new Marcus by Goldman Sachs account. That was XX/XX/year>. Since then, I've been locked out of the online access, and can not get them to help me regain access. I've been cutoff by telephone reps as well as I've been promised a call back and never gotten one.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-12
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018, I sent {$1500.00} using Chase Quickpay service to my wife. How Chase Quickpay works is I will enter an email address as the recipient of the fund and the recipient will receive an email from Chase and link the email to a bank account to receive the fund.

I entered an correct email address and my wife received the email from Chase saying there is {$1500.00} sent from Me. However, when she tried to log in to her bank account to claim the money, she couldn't. The money is gone. I called Chase Bank and was informed that that {$1500.00} was sent to another person 's bank account. I filed a claim with Chase twice to recover the fund and they were all denied. The reason Chase gave is someone else presented my wife 's email address and link to another bank account and received the money I sent using my wife 's email address.

The email address I entered is correct. I can provide the copy of the email from Chase saying " You receive {$1500.00} from xxx ''. I can also provide a copy of the Chase Quickpay confirmation showing my wife 's email address as the recipient.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!