davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

to whom it may concern, I had an issue with multiple unauthorized charges on my account, I called on XX/XX/XXXX to report the transactions immediately after I found them, I was informed that my dispute was denied and the case is closed, right after that I asked what can I do to ensure I get my funds back I was told to provide itineraries, photos etc anything to support the fact that I was out of the country at that time with I did, they asked to allow up to XXXX business days for the evidence to be reviewed, today XX/XX/XXXX I called to follow up and to my surprise they still denied the claim and refused to do anything about it stating that I have logged into my account multiple times which I did but didn't pay attention to my balance and that they can not recover the funds and for that reason the claim is closed, they advised me to contact the merchant which is XXXX, after speaking to them they said since the transactions already been paid there is nothing I can do but they made sue to disable my information in their system to ensure it doesn't happen again. the transactions were dated between XX/XX/XXXX and XX/XX/XXXX totaling exactly {$7500.00}. At this point this is my last resort to hopefully getting this resolved and getting my funds back as it is a significant amount.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

So I have been dealing with cash app with this for a month already I originally disputed there's about 85 different charges most of them are for {$5.00} some of those charges are duplicates or the company charged me twice or whatever but I'm not even arguing that point The fact of the matter is is the company which is XXXX it closed my account when I first told them that I was going to argue some of these charges and so therefore it took away all access for even the charges that I did make which were a lot of them it took away access to the platform therefore I no longer can even use the service and therefore I want all of my charges to be refunded so I did the dispute process with cash app and they immediately denied it by saying that the reasoning is XXXX it says something about I didn't contact them in 3 days but I contact them everyday and their support is just it's horrible they keep messaging me the same thing asking me for a good email so that they can tell me why they deny the charges and then when I give it to him they just message me with about one charge out of the {$85.00} and tell me that it's the same thing but I've never able to discuss anything or put it back into rebuttal or explain to them why I'm disputing this and why I want my money back I mean I can not access to website so therefore they just took all my money and and getting a hold of cash app anybody there that can help you is impossible I've been trying for a month everyday I have a message thread that's at least a mile long from just going back and forth and not getting anywhere
Consumer complaint received 2024-06-26
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. (TX)

I am writing to formally dispute and demand immediate correction of grossly inaccurate and damaging information contained within my credit report. Under the auspices of the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( A ), I demand an urgent investigation into the following accounts :
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

A lady purchased a wreath from me so I used a square plug in and scanned her card said payment successfully then took the money out of her account at her bank. I get home and get back on the app it's no where to be found. I have went to the bank with her and they said they can't dispute it bc square took it out of her account. I called my bank XXXX  and they said there is no transaction of {$40.00} deposited. So square has my money bc it still says negative in her bank but no where on the square app account and square says there were no payments been made except XXXX XXXX  on that day.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

We bought a home in XX/XX/2023. The mortgage was with XXXX XXXX XXXX. This loan was sold/transferred/given to Mr. Cooper after a few months. In dealing with XXXX we requested information about adding taxes to the monthly payment. We received the information and submitted our documents and request twice. When we inquired why we received no response and wht the taxes were not added yet they said that the loan was going to Mr. Cooper soon, but that Mr. Cooper would receive our documents ( XXXX would transfer them, is what they promised ). We just called Mr. Cooper after paying them for a few months and not seeing the payment amount change. We have received no information about taxes being added to the payment. It took me 17 ( seventeen ) minutes to try to navigate Mr. Cooper 's customer service number and pressing multiple options to get to a representative. After pressing an incorrect option, the number XXXX, and pound signs probably a few hundred times I spoke to a very uninterested agent who told me that XXXX had not forwarded the information. She said they will send me the information by email and that it may take up to 30 ( THIRTY ) days. I feel very discouraged. These two companies seem uninterested in helping beyond collecting payments. I need XXXX to transfer/send the documents I sent to Mr. Cooper and to start, my taxes in an escrow account. We have lost valuable time. I would fully prefer to have yet another company because I don't believe they are capable.
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: CREDIT ACCEPTANCE CORPORATION (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-18
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: World Acceptance Corporation (TX)

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark has caused me significant distress and XXXX  due to its detrimental impact on my credit standing. It has already adversely affected me, leading to the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted, and will continue to inflict until it is properly remedied.
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

XXXX XXXX failed transaction reversal i had XXXX XXXX XXXX XXXX XXXX on cash app therefore the company negligence caused me to be in the negative cashtag XXXX XXXXXXXX They never gave me money back if I could touch them we would hug now on my different cashapp cashtag XXXX XXXX  They stealing money again two XXXX $ unauthorized transaction sent to someone I don't recognize I let them know they didn't care These fraudulent corporations working together nothing is Being done about any reports I filled out these people treated my ancestors evil they deserve the same XXXX karma one of the universal laws hopefully they get what they deserve Stressing me out behind my own XXXX im hate people even more running this fake XXXX scheme have people who hates my people in authority position I denounce this horrible land unless my rights be enforced and Protected like these fake XXXX laws scammers XXXXXXXX XXXX working together 18 usc 241 Also You must respect my rights I know I have the federally protected right to privacy you are or did violate my federally protected right as an consumer People also ask What is conspiracy to cheat and defraud? 
Conspiracy to defraud is a common law offence which was expressly preserved by section 5 ( 2 ) of the Criminal Law Act 1977 ( CLA 1977 ), and is triable only on 18 U.S.C. 504 ( 1 ), 31 CFR 411.1.indictment. The offence requires that two or more individuals dishonestly conspire to commit a fraud against a victim.XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (LA)

I have notice on my credit report theres been a drastic change negatively XXXX points on my XXXX since I reached out to Westlake Financial. Theyve even updated information that isnt accurate such as the payments never went late or behind while owning the vehicle. The XX/XX/XXXXyear isnt showing at all. Which I contacted the company to ask about the warranty process. Due to a hard shifting/jerking problem along with the engine light coming on which I experienced in the first XX/XX/XXXXdays of having the vehicle in my possession. The vehicle needed all sorts of maintenance to completed within this short time and shouldve been my fault to due so after putting a {$5500.00} down payment into this XX/XX/XXXX as well. Westlake rep. said they would hold the Dealership XXXX XXXX in XXXX, La responsible for the remaining of the loan due the problems found. Only if I was able to provide a diagnostic report showing the problems found. When I did this within a few days following this due to the availability schedule of the machanic shop of choice ( a XXXX XXXX ) XXXX of XXXX XXXX.The report was created, the technician advised me to start with a full tune-up/oil change, which wouldve cost me over {$500.00} parts and labor. This wasnt covered by warranty after checking, but I still had it done out of pocket. The truck needed front rottors/shocks, a coil and I did have routine maintenance ( oil changes ) completed on time this whole year. Never fell behind in payments, but I called periodically/each month for a update/status about the process that was promised. The company reps. would always be unprofessional and in cooperative regarding the call each time afterwards. Then towards the end of the year XXXX the jerking had become worse which this time I contacted the warranty dept. directly which I had another diagnosis completed byXX/XX/XXXX on XXXX XXXX. in XXXX XXXX which their findings via diagnostic needed a transmission due to tar-converter soon locking up. I was also close to warranty expiring as well which warranty only wanted to replace the transmission with a rebuilt/refurbished parts. The vehicle had been there at XXXX almostXX/XX/XXXX months. Then I had to find another shop to send my truck to accept the refurbished transmission the warranty dept. that was ordered with that being my only option. Then I sent my truck to XXXX XXXX on XXXX XXXX. XXXX XXXX which started the process and wait time over again. Leaving me without a source of transportation again. Still remaining current this whole entire time. I had enough of the whole lemon deal and offered a volunteer repo to Westlake from everything I experienced since having the vehicle almost a year. Didnt have anything or point of contact to rely on dealing with this situation being such a horrible experience for me creating hardships without any source of transportation the whole time.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-18
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: Mr. Cooper Group Inc. (NY)

I called them on the phone after receiving XXXX text to authenticate my account and it was dead naming me on my account by my old legal name in the XXXX text message. 

Phone number XXXX ( XXXX ) XXXX quoted text below of actual text message. 
" Mr. Cooper Loans : Hello XXXX, Please use the passcode below to verify your account : XXXX '' My name is XXXX XXXX XXXX on the account. Why is this company constantly dead naming me on purpose, referring to me as he/him pronouns and discriminating against me in any manner. Because there call center is in XXXX, Yet I am in XXXX operating in there discrimination laws. It's illegal to discriminate against a person by dead naming them, using the wrong pronouns. There customer service reps always argue with me on the phone. I have to constantly defend my person because of the discrimination and there in ability to do a proper introduction on the phone like take my full name, address and account number to authenticate who I am which is a security risk all in its own. No wonder why my information was stolen by hackers from this company and I can't pick a different servicer who doesn't discriminate against me or services my loan poorly. 
I want the discrimination of referring to my old legal name and old pronouns fixed immediately. I want the malicious use of this to stop. 

They also don't even have my XXXX XXXX posted in the account because they are using my old information and unable to display my XXXX XXXX correctly.
Consumer complaint received 2023-08-27
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C, 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 section 2 : It also states that a consumer reporting agency can not furnish na account without my written instructions. 
15 U.S.C 168c. ( a ) ( 5 ) Section states : No consumer reporting agency nay make any consumer report containing any kind of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
18 U.S.C. 1681.s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
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: Bread Financial Holdings, Inc. (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to XXXX XXXX, North Carolina XXXX 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes XXXX Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. This account XXXX XXXX with the account number XXXX was paid in full and was never late. I am always paying on time. This should be remove on my report immediately.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian deleted my entire credit history notification from the last 3! years. This information was proof of credit sabotage and harassment. Recently I have noticed the same pattern where account information is not being. reported correctly. Since I have reported the notification issue Experian have not notified me of a collection being removed. XXXX XXXX  was reported and points were decreased. The account have recently been removed and the score didn't not increase and there was no notification of this account being removed. When means there was no credit score increase. This can not continue to happen. I will keep striving to raise awareness of Credit Bureaus practicing Credit Sabotaging and Harassment which I believe is XXXX profiling. It is definitely harassment. This matter needs to be corrected immediately.