davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

It started on late XX/XX/XXXX and lead into XX/XX/XXXX, my debit card was used in a different state them me for under {$5.00}, followed by XX/XX/XXXX between XXXX via phone money was transferred from my savings into my checking. Then XXXX separate wire transfers took place XXXX for XXXX to XXXX XXXX  and XXXX one for XXXX to a XXXX account. This happened while i was at work. By XXXX I called Chase, my bank and notified them. They attempted to i guess re call the money but the accounts were emptied. They returned the {$5.00} charge and replaced my card, after i went into a branch and spoke with the manager. My accounts were frozen as well. They have not investigated the phone transfer, which I learned today XX/XX/year>. I also learned today that they denied my claim because " i benefited or authorized ''. Which is not true. I have filed a police report and am awaiting that to post to have. I also filed with FTC, and frozen my credit and put fraud alerts. I believe I did this on the XXXX or XXXX. 
One of the reasons that the employee at the branch repeated from the claims department was because I had a previously wire transfer in XXXX. Which is true I did for buying my house. The claims department reported to the employee that I would need some type of proof of a hack or something from my phone company. Which they said they can't prove or disprove besides showing i did not call the bank to transfer funds from my call logs. There was something with my IP as well, but XXXX said they can't look back at my IP addresses to get locations. My phone company said that Chase knows this isn't possible and sent me to get proof that doesn't exist. 

It total it was XXXX that was taken that Chase is refusing to return since there is not proof I guess that it was not me and since they couldn't get the funds from the banks the wire transfer it went to.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I had automated monthly payments for parking rent paid through XXXX. These payments started XX/XX/XXXX and had no issues. 

On XX/XX/XXXX the pament was not accepted. The payment also expired on XX/XX/XXXX. However, on XX/XX/XXXX the payment was accepted. On XX/XX/XXXX I was informed by My payee they did not receive it. 

on XX/XX/XXXX I called chase bank to file a complaint. According to a chase bank representative, the registration of the phone number associated with this account changed. Someone changed the phone number to being registered with a different account so even though the funds were sent to the same place, they were diverted to a different account. I was then transferred to a different representative to file a claim in a process that left me on the phone for 39 minutes without a resolution. 

I was not tricked into sending money to someone I didn't know. This was an automatic monthyl payment, and someone switched the registration of the account associated with the number in order to steal the funds.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX DEPARTMENT OF EDUCATIONXXXXXXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 


I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (TX)

XX/XX/year> around XXXX I received this text : Call Radius Global Solutions LLC XXXX Reference # *omitted* Your rights from our recent letter remain Other rights/make payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I removed the reference number for my privacy. 

I have not received a letter or any of forms of communication from this company and they did not disclose they were a debt collection. Agency or that they were trying to collect on a debt. I am unaware of what debt they own of mine and they have provided no information. 

I have not responded in any way, as I can not respond to this type of message except to stop these kinds of communication.
Consumer complaint received 2024-06-04
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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.

15 U.S.C. 1681s-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 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have always ensured that payments on this account are made on time, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. Corrections should be made in accordance with XXXX XXXX XXXX - Billing Error.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Services was taken over by New Rez. I attempted to change my checking account number online for auto debit. Instead of just changing the account they debited my account and created an overdraft. This cost me a {$35.00} bank charge as well as New Rez charging me {$25.00} for the overdraft also. I called and complained and they confirmed with the representative XXXX that both fees will be reversed. I then received a Certified letter from New Rez dated XX/XX/XXXX that contradicts what I confirmed was happening. I want the Shell Point and New Rez to have a complaint placed against them to avoid this from happening in the future. In addition the representative refused or was unable to document our conversation via email nor was able to give full information on the company to report this to CFPB properly.
Consumer complaint received 2024-06-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

Opened cd for 7 months at 4.9 %. When went to cash only gave me about 2.9 % at PNC Bank XXXX Florida XXXX XXXX XXXX XXXX. Phone there is XXXX XXXX XXXX attached are pics of their documents.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have Been trying to get an account removed since 2020. I did A voluntary surrender on a vehicle and they sent a debt cancellation letter. Two of the three bureaus removed the account. Experian refuses to remove the account. I have provided the necessary paperwork and they continue to keep the account on my credit.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX XXXX has contacted Nationstar for foreclosure prevention alternatives. Due to a valid hardship, she reached out to Nationstar to pursue a loan modification. When denied, XXXX has attemped a short sale, which she feels is her only feasible option at this point to avoid foreclosure. XXXX has acted in good faith by listing the property at fair market value with a local real estate professional, and subsequently securing a buyer. When we attempted to initiate the short sale process with Nationstar Mortgage via their Equator platform, the file was closed out due to the upcoming foreclosure sale on XXXX XXXX. In XXXX, XXXX received correspondence from Nationstar denying her of the loan modification letting her know that short sale could be an option for her. Without delay, XXXX listed the property. Considering Nationstar suggested the short sale, it is unfair for them to deny her due to the lack of time to get it completed. Suggesting the short sale gave XXXX false hope that there might be an alternative.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I have two unsubsidized loans from Ed Financial one is XXXX and other is XXXX, I paid off both the loan in XXXX transaction last week ( XX/XX/2023 ), it decucted the {$7900.00} from my bank but applied payment to only one account ( XXXX ), the other loan still shows as pending and is accumulating interest daily. 

I tried contacting Ed financial through emai but never got a response, also calling them every day waiting extremley long timea ( 6-7hrs ) and then getting disconnected, also put my number for call back but never get a call back from Ed Financial.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to contest and to dispute the inaccurate reporting of account on my credit report. Upon contacting the company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

I used Afterpay to buy a item from XXXX, my order was cancelled. I then reached out to customer service to ask if I shouldve filed a dispute, I also asked how long would the money take to show back in my account and if I should do any other steps. Ive gotten no reply on the app nor have I gotten a reply through my email. My order was cancelled 5 minutes after it was placed. My purchase was {$540.00} which was placed on XXXX XXXX  I paid {$130.00} upfront and the company has yet to reply or even remotely review my dispute claim.
Consumer complaint received 2024-06-04
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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.

15 U.S.C. 1681s-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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  XXXX # XXXX This is completely unacceptable and violation of the credit reporting laws of the many inaccurancies with this account, ,.How do I have a XXXX of XXXX dollar,,, and my monthly payment is XXXX dollar without reporting any terms with this account..Please delte immediately
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CO)

I've been a victim identity theft like there was a phone from XXXX that was opened up in my name multiple credit card accounts and I need help please I just need these account removed I've put in multiple identity theft reports XX/XX/XXXXXXXX balance is {$650.00} open XX/XX/XXXX.XX/XX/XXXXXXXX XXXX bank balance is {$720.00} opened XX/XX/2023 XXXX XXXX balance {$380.00} opened XX/XX/2023 XXXX XXXX balance {$1100.00} opened XX/XX/2023XX/XX/XXXX
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

We are XXXX citizens who own our own home and are trying to reduce our mortgage payments. We have never missed a payment, but our income has been drastically reduced and we BOTH have been diagnosed and treated for XXXX this year, causing major medical bills. We began filing a mortgage modification with our mortgage holder : Nationstar Mortgage on XXXX XXXX, 2015. Each time we provide the forms they request, they wait a week and ask for more information. Then we provide that information. Then they show they received the documents and when we check the status in few days -- hoping we have been approved- they show they need the same documents again. So we have sent them again. They keep asking for documents like IRS form XXXX, which we do n't file, so we send them the form we do file ( a XXXX on form XXXX ) with a letter of explanation and they ask for the XXXX form again. This is all on the website -- we can never actually speak to anyone when we have tried to call. Then someone will call us ( the caller is only a messenger who knows nothing except what he 's reading on the website ) telling us we need the forms, I explain we have sent the forms and they say send a letter of explanation and we do, then the status shows we still need it anyhow. We have uploaded all the forms and letters of explanation again and still no response. In fact, this morning it showed we only needed to send XXXX more thing ( again, the XXXX form ) so we sent another letter, with documentation from the IRS site showing we file the correct form, a XXXX on form XXXX, and now when we looked it shows we need ALL the forms we have already submitted ... twice. We are at our wits end and have no idea what to do. Can you help us?
Consumer complaint received 2018-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (CA)

I received an letter in the mail on XX/XX/2018 from the FTC about a lawsuit against Ameritech Financial. The company is a fraud. 
Ameritech has been withdrawing around {$200.00} on the XXXX of every month for the past for few months. I'm uncertain of how long, I have lost track, but it has only been since XX/XX/2018. 

I called Ameritech today ( XX/XX/2018 ) to cancel my subscription and rquest my money back. I was told that because the lawsuit has only been filed, and that it hasn't been ruled on by a judge, that they can not issue me or anyone else a refund. Ameritech did claim to cancel my subscription. 

I contacted my credit union today ( XX/XX/2018 ) to make sure that Ameritech can no longer withdraw money from my account once a month. If they continue to do so this week, I'm having my credit union dispute Ameritech.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NY)

Didn't receive the services from Target rewards program, and was wondering why they can't assist further. Wanted to know I wanted to speak to the fraud department ( Misdirected the call, but for no reason ) There was a problem with the initial sign up process on the web site