davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

THIS ACCOUNT RECEIVED MY MONEY IN A SCAM AND THEY CHOSE TO NOT RETURN IT - XXXX / XXXX XXXX was the fraud name they used on the account. 

Here 's what happened. 

I was called by one woman who identified herself as the XXXX XXXX XXXX department. She asked me if I had made recent purchases - I had not and told her no. She then told me I had wire fraud happening and she gave me a bunch of information about the case - mimicking a XXXX XXXX case id, the amounts and which accounts it was from by using the last four digits of the account numbers. She said the fraud for wires would call back on the same number and that she would hold until that happened then hang up, she told me who would be calling from that department. He did. He then proceeded to walk me through " returning the funds to me '' via the app, he told me to write his name down, with the account number she gave me, ( XXXX ) which was framed to me as a case number also, he said, before you add recipient write XXXX in the memo to reverse the wire. He correctly told me that then when I add recipient, it will change to my name. It did, so it looked like I was wiring myself. All of this was done in app. He then said I would receive a text saying, XXXX XXXX XXXX  : Wire transaction amount of XXXX has been canceled and will be refunded. I did ( I made TWO WIRES ) because it was framed as the only way to return both attempts. The phone number I got the text from was XXXX. The next amount was XXXX. 

Here 's the problem, Chase has fraud occuring in their accounts which is provable and I am sure insurable - but I DID NOT RECEIVE MY MONEY IN RETURN. I am one of thousands who this happens to on the daily I am sure but as one we are many. 

I expected Chase to comply with XXXX XXXX and return the money.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (NM)

I sent a debt validation request to the following company on XX/XX/year>. 

TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I sent the following, as I have not received any debt validation/verification. To date ; I still have not received any validation or verification on this account. 

" On XX/XX/year>, I sent a request for debt validation as per my rights under the FDCPA for debt XXXX XXXXXXXX date, I have not received any validation of this debt from your agency. 

According to the Fair Credit Reporting Act ( FCRA ), if a debt collector fails to provide validation of a debt within 30 days of receiving a validation request, they must cease collection efforts and are prohibited from reporting the debt to any credit reporting agency.

Therefore, I kindly request that you : 1. Immediately cease all collection activities regarding this alleged debt. 
XXXX. Delete all tradelines related to this account from all three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Please confirm in writing that you have taken the necessary steps to comply with this request. ''
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has been calling non-stop for over 8 months. They use the tactic of calling from Texas and North Carolina numbers for an unknown reason. I completed their online form & asked for them to cease all communication, which they have completely disregarded. They have not left any voicemails nor have they contacted me directly by mail. I do not know who they are looking for but I do not have any outstanding debts with any company or person.

Since having my current number, I have been harassed by numerous debt collectors looking for someone I have no connection with. I have been able to inform these companies they have the wrong number & to stop calling which they have done. I would like Portfolio Recovery to do the same. I have not mailed a cease & desist letter because I do not even know who or what they calling for nor will I provide them with any of my personal information when they have no right to be harassing me.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles
Consumer complaint received 2024-06-24
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: JPMORGAN CHASE & CO. (FL)

I recently submitted information on a auto loan that I had with Chase. They repossessed the car and updated my XXXX credit reports with XXXX status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and XXXX  on XXXX AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX XXXX XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

This is a complaint associated with multiple denials of credit from Wells Fargo Bank Stemming from my phone being stolen and the thief/thieves accessing multiple accounts including Wells Fargo XXXX 

XXXX was stolen and they used a XXXX transaction which 3 times Wells Fargo has denied a refund of the money. The last explanation was that the representative followed the right protocol. I called when my phone was stolen and notified Wells Fargo that there was unauthorized transactions of XXXX XXXX for XXXX and XXXX as well as a XXXX ACH transaction which I did not authorize. When I called the representative cancelled my cards but did not close my account even when I asked him. I have never used XXXX XXXX nor do I have an XXXX XXXX account and my transaction history should show that. The XXXX transaction of XXXX was completed at the same time. As an example since then I have had at least XXXX account withdrawals and XXXX XXXX Withdrawals that were deemed not made by me and were fraudulent. The call to Wells Fargo was placed immediately after the fraudulent transactions were made. Because my account was not closed the fraudulent activity continued till that night where they were able to steal an additional XXXX. I have provided Wells Fargo with multiple police reports, FTC filing reports of fraud as well as other statements from other financial institutions where additional fraud has occurred. 

I have received multiple letters stating that the claim is denied because either " You or someone you know completed the transaction. '' I have also been told over the phone that " Biometrics was used so it had to be you. '' Biometrics is facial recognition, That's what I use on the phone app to access my account. The thieves found away around it. Wells Fargo has repeatedly told me that there was no fraud detected but on multiple other transactions have confirmed fraud. 
I am going to seek legal representation for defamation of character for Wells Fargo basically saying that I am lying and I am committing fraud.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing XXXX XXXX and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (OR)

BMO bank We have an RV loan and overpay on our payment every month. ALL of our payment goes to interest. Despite calling two separate times, sending a payment from my bank with principal only, sending a payment through their system with principal only in the memo, all of the payment goes to interest. When I called, I was initially told that overpaying would go toward the principal which doesnt happen. They will not take payment over the phone. The ONLY way to pay on principal is to send a check to an address thats not listed as a payment address and was told to me over the phone. Send a real check to an address thats not listed on your site? No thank you! How is it legal to not allow someone any other way to pay on principal? They have a website, app and phone number, NONE of which take payment for principal. This is predatory.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A. (CA)

XXXX ) Lender conditionally approved our loan XXXX ARM for 6.0 % and their agent promised us and our buyer 's agent timed closing. She actually guaranteed it. 
XXXX ) they couldn't close in time because apparently, they needed my husband 's paycheck that says North Carolina remote on it and they told us that's the only pending item left. Their lender promised yet again that's the only item left and nothing else is needed. I asked her to verify, and our buyer 's agent also called her to verify, and she told the same thing. Last item and only item left. we will provide it and loan will be approved the same day and we are good to go. 
XXXX ) Few days before they came up with more items pending and we somehow provided them. She apologized for that. She guaranteed us we will be approved after provided paycheck details and she wrong again XXXX ) Lender gave us in writing that they don't need lease on our current home because they are not considering that income. Wrong again, she came back and asked for lease. We provided lease and then she came back asking for deposit check for the lease. nowhere she mentioned she needed that, XXXX ) Very close to new closing date again, and still not approved and they keep asking for new document, every step of the way. 

We are losing time, if we don't close this time, we might lose all our deposit and earnest money. and seller can ask us for compensation. 
My kids can't attend school anywhere because we have rented our current home in our current state, and we might not close on the new home. 
Our stuff is sitting with moving company with nowhere to go. We are planning to love in XXXX XXXX XXXX  with XXXX little kids. 

She dodge our calls. 
I think lender promised a low rate that they are having hard time providing us and they are stalling, so we simply go to someone else. Rather than accepting the rate that has been offered they can't give it to us.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (SC)

Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (PA)

I was recently reviewing my credit profile and noticed multiple fraudulent hard inquiries. These inquiries are unfamiliar to me and I never given my personal information out for these inquiries and I never gave my consent/authorization for these inquiries. Below I will listen to fraudulent inquiries to be disputed. 

XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
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: TRUIST FINANCIAL CORPORATION (PA)

I was married and changed my name in XX/XX/year>. I contacted mortgage company to change my name. Was told to mail important documents such as a copy of marriage certificate. Social security card. Copy of my ID. I called a month later and was told that Truist has lost the paperwork and can not update my name and to resend the paperwork where I was assured they would receive it this time. I again mailed copies of all of my important documents to again be told they have no copies of my paperwork. After many phone calls back and forth and being told oh well. I finally went into the bank personally with my information because I did not trust mailing them again. Truist bank made copies of all my paperwork, social security card and ID. I called a couple months later for an update and was again told Truist has no copies of my paperwork
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Now Equifax is making matters worse for me they removed and valid current addess that they had n placed one they never should had removed I told them not to remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  keep that on my file do not remove besides them adding other current valid addess XXXX XXXX XXXX XXXX XXXX or XXXX harm still being caused by them XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

At the end of XXXX being of XXXX a file complaint on US Bank because of duplicate payments from XXXXXXXX XXXX XXXXXXXX reverse the charges on XX/XX/XXXX I was unable to use the account and was charged a fee until XX/XX/XXXX. I contacted both agencies every day unto my account was positive. The back today in an effort as fraud to gain from fees took there provision Al credit back only issued when XXXX reverse the credit and delayed this transaction so I would accumulate a fee by default to there delay in the credit that should been issued when I contacted them it was not. They waited to cause this current negative when checking my account. The bank is committing bank fee fraud and not delivering the services they suggested.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted XXXX directly to go over my results and they assured me they will put in a dispute for investigation. XXXX days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in XXXX days when the normal dispute process is 30 days. It was NEVER provided to me.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Subject : Request for Removal of Negative Item Due to XXXX Hardship Dear [ Credit Bureau Name ] Dispute Department XXXX XXXX am writing to request the removal of a negative item from my credit report due to financial hardship caused by the XXXX pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The XXXX pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request
Consumer complaint received 2023-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

These accounts and inquiries are not mine they were made without my permission, consent, inquires. Capital One XX/XX/XXXX, XXXX or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.