davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I deposited my stimulus and tax checking into my account on XXXX XXXX chase put a ten Buisness day hold on the check after nine Buisness days the money Became available in the account and they put a restriction on the account called in and was told that chase can not verify checks with the irs and I spoke with a manager he said bring in my documentation for the deposit from the irs I went and sent them over the documentation 4 times and they kept saying they didnt receive it I finally went back in to the branch and was advised that they dont take documentation and my money would remain on hold with chase and if the money cant be verified which they already said they cant do they will return my money to the irs and Im a mother of XXXX and Im already getting evicted
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The debt collector engaged in sewer service to obtain a default judgment against without actually notifying me. The " proof of service '' indicates that service was substituted with a mysterious unnamed " co-resident '', who did not give a name and, in fact refused to accept the service. I had no co-resident and was not home at the time. Thus it is impossible that service could have been made this way. I was unaware of the legal action and, thus, was unable to defend myself. Now, 10 years later, the debt collector has sent a wage garnishment to my employer. I contacted the debt collector in an attempt to resolve the issue as the wage assignment would cause great hardship. I even offered to pay in full by credit card as I don't have the amount alleged to be owed. They claimed that they do not accept credit cards, which is false as their website states plainly that they do.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AZ)

I own and operate a nonprofit XXXX animal rescue. PayPal has locked our account with over {$4700.00} of donations which we may or may not have access to by XX/XX/2023. This will shut my rescue down. We are fully dependent on these donations. 

XX/XX/XXXX our PayPal account was limited for no provided reason. XX/XX/XXXX it was reinstated stating it was an error in their system and shouldnt happen again. By XX/XX/XXXX the account was limited again for no stated reason. Again it was stated via messages this was in error because a white flag was on not the account after the last erroneous limitation and the account would be reinstated and have no further problems. The account was reinstated and allowed donations to be received again. On XX/XX/XXXX just after making a purchase of stamps to mail out records to our adopters our account with PayPal was permanently closed with no justification ultimately locking over {$4700.00} of our donors donations that fund our nonprofit animal rescue. 

PayPal stated we may be eligible to receive them but have it wait 180 days to find out if we get them or not due to risk on our account. We have never had a charge back and our donations are non refundable. Those funds should be immediately released to our nonprofit bank account and we have no issue no longer conducting business with PayPal.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Buffaloe & Associates, PLC (TN)

Buffalos & Vallejo plc is trying to sue me for fraudulent charges. I have repeatedly tried to tell them this was my ex husband and it was reported to the fraud agency. They stated they do not care that I am XXXX and they are still taking me to court. If you pull on of the XXXX I called them, in their system that have terrible notes written about me as well which the lady let slip out. This is a XXXX parting trying to sue me for my ssdi while the creditor who sent it over has dropped the case.
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 

The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 

Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : Achieve Personal Loans Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. 
Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

The company that I requested the information from claimed that the information disputed had been verified, however I have received no such proof. I ask again that the above information be verified per the means requested.
Consumer complaint received 2023-11-21
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. (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  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

Over a XXXX  ago, a representative from XXXX told me the Department of Education was considering forgiving my student loans, that never happened. Later, I received a letter/email from XXXX  saying XXXX because of my interest in the XXXX program, my loans were being transferred to MOHELA. MOHELA sent me a letter stating I was denied the benefits of the XXXX program prior to the transfer, ( XX/XX/2024 ). 
I reached out to Aidvantage numerous times, I even spoke to a supervisor, ( XXXX XXXX XXXX, requesting that the loans do not get transferred to MOHELA because the purpose of the transfer was no longer valid and MOHELA has a bad record of customer service anyway. I was assured that my loans would remain with XXXX, suspiciously, that did not happen. 

Less than XXXX  months after the transfer, ( XX/XX/2024 ) to MOHELA, MOHELA sends me an email stating my loans are being transferred again, ( on XX/XX/2024 ), to an unspecified " new loan servicing platform. '' The math is not adding up ( at all ).
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

During XXXX - XX/XX/2023. I experienced heavy medical problems. While out on a medical leave, the wrong bank account was paying for my Amex card. Therefore, causing returned payments. Amex closed my account due to return payments. I could of easily fixed this but I was on medical leave.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I noticed my PenFed account was blocked without clear communication or reasoning provided by PenFed. This blockage has caused significant inconvenience and financial hardship. On XX/XX/2024, I attempted to access my account online and found it was inaccessible. I immediately contacted PenFed customer service to inquire about the issue, but the responses were vague, and no specific reason was given for the account blockage. 

By XX/XX/2024, after several calls and emails to PenFed, there was still no resolution or adequate explanation. The lack of access to my funds during this period has been distressing and disruptive. 

Due to this unresolved issue and lack of transparency from PenFed, I am now filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance and a resolution to regain access to my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is in violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Furthermore you have 4 business days after receipt of this Notice to block this fraudulent account from my consumer report. according to 15 USC 1681C ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Identify Theft report and proof of identity enclosed as required by federal Law. Also the conduct of XXXX XXXX Services is an act of racketeering activity counterfeiting my signature and credit agreement is a violation of 18 U.S. Code 1961. Also reporting the accounts to my credit file with extortionate intent is also a violation of 18 U.S. Code 1961 ( 1 ) This is Notice to Cease and Desist from all communication including the credit report agencies I refuse to pay the alleged debt because I have no obligation to XXXX XXXX XXXX I have never entered into a consumer credit transaction with XXXX XXXX XXXX or its agents or employees and never gave you or your agents permission to use my personal identifying information which was obtained by aggravated identity theft in violation of 18 U.S.C 1028A. See attachment
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

MOHELA is one of the worst services I dealt with in the US. What a terrible company. 

Department of Education transferred to MOHELA, the latter did not recognize a payment I did to my loan and it is asking for a payment I already did. 

It is impossible to contact MOHELA. Phone takes hours and they hanged up. Letters are not answered. It is like talking to a wall.
Consumer complaint received 2024-05-08
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it may take up to 48 hours for you to see them on Bridgecrest. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

All of this started in 2023, when RoundPoint Mortgage bought my loan. Ever since 2023, I have been having the same issue. When is time to submit the insurance renewal from my CONDOMINIUM ( AKA the insurance for the association ), I properly receive a letter, with steps to follow, which I do every time, but it seems that the company they hired to receive the renewals, it is not doing its job, because not only I am harassed with multiple letters AND e-mails, which every time I receive one, I RE SUBMIT the renewal, but now they went an extra step to force place FLOOD insurance for the entire condominium. Not only they can not do that, because is an insurance for the entire building, but it is wrong considering that I submit the renewal multiple times ( aka every time I receive a letter ). It is worth mention that this year, I did call to make sure it was ok, and they still went ahead and charged me almost {$6000.00} This is unacceptable, since it is an error from their side, and a vendor 's issue, not the consumer. 

It is worth to mention, that when I called to address the issue, the representative confirmed to me that I am not the only person having the same issue with insurance renewal confirmation and analysis ( so they know about this issue, but decide not to do anything about it ). I also went ahead and asked what was the best way to submit the renewal, to avoid this in the future ( since it seems I am stuck with them, until, hopefully, my loan is bought by another lender ), and she told me the web-site is the best way. BOY, if that is the best way .... I can not imagine mailing it or faxing it. 

Please help me track this arm robbery as soon as possible. 

Please help! Thank you! : - )
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-01-10
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.

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 2023-03-12
Product: Credit reporting, credit repair services, 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. (TX)

XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all XXXX credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XXXX/XXXX/2023 XX/XX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is one account on my credit report that is not mine I have mailed out 4 disputes regarding this with FTC and nothing has been done regarding this. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (NY)

# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.