davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I received a call from someone claiming to be from XXXX XXXX. They had my name, address and phone number. They told me an account had been created and a ZELLE transfer initiated. There was no money in the XXXX account and ZELLE would take the funds from any bank I had an account with. The caller gave me a case number XXXX and two transfer ID 's XXXX & XXXX. I was instructed to call ZELLE directly at XXXX. I did so and the person who answered tried to walk me through a cancellation from my current bank 's website. I made a mistake and we were unable to complete the cancellation. I was told I would receive a call in the morning to complete the cancellation. My bank found the activity suspicious and canceled my access to ZELLE. When I called the fraud line on the ZELLE website the next day, I was asked why I was calling if the bank canceled my access to ZELLE. I mentioned I never set up a ZELLE account and I wanted to disable or cancel any existing account. I was told that I had to go through my bank to cancel my ZELLE account. I was unable to do so because my access had been canceled for my safety. I was then told I had to give my ATM number to them so they could locate my account. I refused to provide that information and they said they couldn't help me and hung up on me. I believe this is a deceptive practice and the ZELLE company is inviting fraud and not protecting their customers.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

XXXX made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted XXXX did their typical " its not our error '' and blamed it on the JPMC Chase who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case XXXX processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

XXXX is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (FL)

My identity was stolen and these accounts were fraudulently opened in my name. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

In late XX/XX/XXXX I chose to close out my escrow account and have my mortgage company refund my XXXX and after a series of haggles they FINALLY closed out the account and sent me the check for XXXX on XX/XX/XXXX which I promptly deposited on the same day. You can only guess the horror on my face when my bank deducted the money on XX/XX/XXXX labeling it as a " Returned Deposit Item ''! My mortgage company had issued me a BOUNCED CHECK! So I immediately called my bank and they said the check was not honored and to talk to my mortgage company. So I talked to a chat rep who told me she could either resend a check to me OR do a wire transfer. I elected a wire transfer since it seemed to be a lot faster. Silly me ... XXXX... Now my mortgage company is in the process of " INVESTIGATION '' and is telling me they have 30 days to resolve the issue unless they use the 15 day extension! It's simply UNBELIEVABLE a mortgage company bouncing checks that I pay my mortgage to, that won't pay MY escrow money back...
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts has violated my federal protected consumer rights privacy and confidentiality under 15 use 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 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 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 2024-02-02
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: JPMORGAN CHASE & CO. (OH)

I received a notice on XX/XX/2024 that a hard inquiry had been done on my XXXX account. The hard inquiry was for a new credit card. I also received emails from Chase Bank that a credit card was approved in my name. I went to a Chase Bank and told them that I did not apply for a new card. I have never had any kind of accounts with Chase Bank. I do not believe that any charges were made as I received an email from Chase Bank stating that the card would be received

in 5-7 business days. The card was approved for a credit limit of {$15000.00}. Chase Bank called their fraud depa
rtment, and the credit card has been stopped. 
I have also called XXXX and have requested a 1-year fraud alert on my account. I have also gone to my bank ( XXXX XXXX  ) to let them know what happened. I am also filing a report with my local police department. 

I have also contacted the Social Security Administration to let them know my SSN was compromised. 

My big concern is that Chase Bank had all of my pertinent information to include my name, email address, home address, and my social security number.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (OH)

XXXX XXXX made two deposits to my XXXX debit card account with Wachovia bank in XXXX, XXXX  : Here is the settlement reference number : XXXX & XXXX. The deposits were for {$1300.00} and {$570.00}. XXXX has never credited these deposits and so called Customer Suport has stonewalled finding them. They just tell me to use their chat function but it always times out before a " live agent '' responds.
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC. (CO)

XXXX years ago in XX/XX/2021, my son had an XXXX  visit with 5 days without insurance. The hospital, XXXX 's XXXX  of Colorado neglected to work with me despite numerous contact attempts, and ignored me for over a year. XXXX 's then sent me to collections with BC Services who again, did not respond appropriately to attempts to correct the balance owed. BC Services after 1 year of ignoring every request along with XXXX XXXX XXXX XXXX Colorado tried to sue me, and sent a police officer to my door. Under the immense pressure of having police at my door for my son 's emergency medical debt, they made me set up and sign an agreement for payment. This was only after I was being sued and sent to court. There are phone recordings of me crying hysterically and BC Services not paying attention or following appropriate protocol. I since, have again reached out to XXXX XXXX XXXX XXXX Colorado and sent notice to BC Services that payment would be on hold until any discrepancy was rectified.

I have put in 2 complaints with BC Services now, and they have simply been closed with no additional explanation. This collection company is not honest, and they are not following protocol. I find this to be a violation of rights set forth by Colorado laws regarding medical debt and I am astonished that this can keep happening. 

My most recent letter ( sent to an old address ) is " RE XXXX '' From BC Services Legal Supervisor, XXXX XXXX
Consumer complaint received 2017-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On Friday, XX/XX/XXXX, I made a purchase at Kohl 's in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter.

Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

National credit systems has violated my rights as a consumer and used illegal abbsusive practices against me and my credit report. National credit systems has been increasing and decreasing my debt by XXXX dollar every other month to negatively impact my credit score. Under guide of the law this is an abusive tactic and is illegal under law.
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (NC)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (GA)

I Have been a victim of Identity Theft for a few years now. (XX/XX/XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XX/XX/XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

This office has failed to respond to this validation request within the 10 day time period from when the letter request was originally sent via certified mail. I also requested that all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (GA)

XXXX XXXX : Reference number XXXX Original filing date XX/XX/2019. Provide proof that you investigated this information and the steps you took to investigate this inaccuracy on my report.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Complaint against HSBC, NA Good morning, an Assign and Release Form between the POAs and HSBC, HSBC is to wire in the amount of {$8200.00} to mothers account which funds were fraudulently taken. When this agreement was drawn up we didnt return it right away due to taking care of mom, and finally getting her to sign the agreement which was no easy task. HSBC did not include a date for which this document was to be returned. As recently as XX/XX/2017, HSBC has requested the swift # to wire the funds again. Request from XXXX XXXX via e-mail to myself and communication with the other POA. 

We are seeking funds be credited to mothers account as stated in the agreement. We have made financial decisions contingent on these funds being sent to mother to cover expenses she is incurring at her senior facility. Every time one of us contacts HSBC, they claim the swift # was not supplied. It has been supplied. My last communication to XXXX XXXX, she was to check that the swift number was correct. It does not take weeks, days or months to verify swift numbers. 
Thank you for your time.
Consumer complaint received 2024-04-09
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. (MI)

I kindly request that you provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccuracies in my credit report. 

I specifically want the detail process in which whom transunion is verifying this information with?? 

Transunion Could Not Possible Verify With The Courts Listed At XXXX XXXX XXXX XXXX As I Contacted The Court Myself ( Written Proof Attached ) TransUnion Also Did Not Verify With XXXX ( Written Proof Attached ) TransUnion Also Did Not Verify With Pacer ( Written Proof Attached ) So Please Provide Written Documentation As To Whom You Are Verifying This Information With?? Furnisher Name & Address? & If You Can NOT Provide Proper Documentation Delete Immediately From My Report & Mail Me A Updated Copy
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX  XXXX is showing XXXX  days late for XXXX months. The account still shows open and has been paid off since XX/XX/XXXX. It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the account was already paid off by then.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AZ)

To whom it may concern, My rights as a federally protected consumer are being violated by Discover Bank, XXXX, XXXX and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. Discover Bank and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information.

Thank you for your prompt attention to this matter
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX