davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

net I would like to draw your attention to the XX/XX/XXXX, XXXX I had sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Crypto.com never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
Overview : It is well established that victims with some characteristics of vulnerability may be more likely to fall victim to scams, including misleading online financial advertisement. They may be specifically targeted through unsolicited approaches, more trusting or more likely to be persuaded to disclose personal financial details. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurising circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (NJ)

I'm getting repeated cell phone calls from MRS BPO , LLC who are a collection agency and refuse to stop harassing me. I owe them nothing and they know this but they continue to harass me with phone calls.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Marriott XXXX XXXX  credit card back in 2022. The opening bonus was XXXX XXXX XXXX at Marriott after spending XXXX within 3 months. I met the spending requirement in 2022, within the required timeframe, but the welcome bonus ( XXXX ) never posted to my Marriott account. I have been communicating this with Chase multiple times over the past two years but to no avail.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX TransUnion attached a XXXX XXXX {$680.00} account closed on XX/XX/XXXX as a charge off on my credit report. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

The scammer posted a listing on XXXX advertising an apartment for sublease for 6 months for the address XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I replied to the ad of the " person '' subleasing and she ( who goes by the name of " XXXX XXXX '' ) told me to apply directly with the management company at the website : XXXX. Both the initial XXXX ad and the website contain pictures of the property totally stolen from another property nearby. 
I went on the website and I applied and was approved for the sublease and I signed an " Sublease Agreement ''. I was told by the fake management company to XXXX pay " XXXX XXXX XXXX '' ( the fake owner ) using his/her number XXXX a total of XXXX which I sent in three installments to reserve the apartment for the 6 months. It turned out the pictures that were used on the XXXX ad ( no longer exists ) and the website XXXX were pictures stolen from a different apartment complex down the street located at XXXX XXXX XXXX that is managed by XXXX XXXX. 

Unforutnately, I was scammed into sending the three payments ( XXXX each ) via Chase XXXX to find out a few days later that the the imposter/scammer stole the pictures from a different apartment, created a fake management company, and scammed a total of XXXX from me via XXXX. 

Currently, the scam site XXXX is still an active website and perhaps others are also told to go to this site to " apply '' for an apartment as part of the scam. There is an ad that came out a few days ago warning people that the XXXX ad is a scam. I have email conversations, screenshots, payment details, etc. if needed for additional evidence. 

I filed the complaint with both XXXX and my financial institution Chase Bank and both said that there is nothing they can do about the three transactions already made and authorized by me. I authorized the transactions since I was given false information about the apartment and I was dealing with a scammer so the authorization is not based on truthful information. I want a charge back under Regulation E, but Chase Bank 's answer was that they have no right to recover the funds for me.
Consumer complaint received 2024-01-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

My ex wife and I were offered a consolidation loan for our Federal Student Loans shortly after we were married in approximately 1998. We have been divorced for 5 years I we are unable to separate our loan because when we consolidatednit was not explained to us that our loan was being purchased by a private loan company yet guaranteed by the Federal Government but no longer a Federal student loan. I am a XXXX  and should be afforded the privilege of loan forgiveness for my portion of loan but at the least allowed to separate the loan between my ex and I. I feel we are victims are predatory lending and were taken advantage of during a difficult time financially. And now to be saddled with a loan with my ex and it's responsibility in my new marriage is a strain on my marriage. So many opportunities are available to direct serviced loans and not me because I was purchased like a commodity which to me translated into modern day indentured servitude.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC (OH)

was this company and location that to my knowledge shouldn't have opened the account. It was stated by representatives at the CheckSmart location that the account shouldn't have been allowed to be opened because it was purposely misled. The representative that processed the account opened it with in accurate information. How is it that this was allowed to happen from the very beginning? This account was forced and the representative that opened was openly told that they it should have never been processed. It is your establishment that works with XXXX.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I noticed accounts on my credit report that are the result of fraud and needs to be taken off. I reached out to the credit bureaus to let them know and they failed to investigate this and they failed to make any corrections to my report. I need this corrected immediately.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

I had a bogus collection on all XXXX of my credit reports. I filed disputes with all XXXX credit bureaus by certified mail. 

XXXX is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my XXXX account is from a company called I.C Systems.

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also XXXX is incorrectly showing that 2 other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on XXXX. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.
Consumer complaint received 2023-02-18
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. (NY)

The following accounts attached are closed paid in full with a XXXX XXXX balance. Equifax XXXX XXXX and XXXX are reporting to XXXX XXXX  along with other agencies that these accounts are closed and current. 
Fico and XXXX  score service can not report an accurate score because the said above accounts are not being reported as paid. All attached account have a XXXX XXXX balance and are paid.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

HARD INQUIRIES NOT MINE : XXXX XXXX XXXX  Dates : XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE. XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Consumer complaint received 2023-08-31
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. (CA)

My credit report is still showing late payment on XXXX XXXX XXXX XXXX despite the multiple letters I sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
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. (FL)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/year>, I gave my {$29000.00} Reinstatement Cashiers Check to Wells Fargo through XXXX XXXX Firm ( formerly XXXX XXXX XXXX, & XXXX XXXX ) to redeem my mortgage out of foreclosure and Sheriffs Sale. 
Wells Fargo stated they would forego late fees. 
Wells Fargo ahould have offered me a modification but kept my mortgage in Foreclosure for XXXX  years. 
Wells Fargo disappeared my money & applied small portions of my money to unfair junk, suspense and phantom fees and did not properly apply my money to my mortgage.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citi XXXX XXXX XXXX : XXXX. 

This is XXXX XXXX and I opened a Citi Checking and Savings Account on XXXX of XXXX tried adding Funds on XXXX of XXXX Via XXXX {$5000.00} and {$25.00} ACH total {$5000.00} as my balance was {$0.00} so i can start using my account. 

And on the same day I initiated a credit card payment from XXXX credit card on the XXXX of XXXX and later on that day i could not access my online account. 

So I called Citi Bank to inquire and I was told that Citi is closing my account with no further explanation given. 

This has resulted in a return check for my credit card payment and resulted in a negative impression.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I submitted a fraud claim on a bank of America debit card on XX/XX/18. The claim was denied XX/XX/2018. I was told it was because I did not have the card but there were charges in the period that used the card. The claim was for international charges on my debit card. On XX/XX/XXXX I explained to the bank that I did not lose the card, the agent must have misunderstood me. A request for reconsideration was submitted XX/XX/XXXX. In the meantime they reversed {$400.00} in temporary credits. I have automatic drafts for bills which have been coming out of my account. I am charged {$35.00} per occurrence for insufficient funds. In the past week I have been charged {$280.00} in fees. The bank has been giving me different answers about when they will review my reconsideration. A hardship review has not been acted on either.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

Hello- on XXXX I entered into an agreement via my chase plan for a XXXX  month buy now pay later plan. The interest rate is 0 %. The total amount was for {$2900.00}. To date, I should only have paid one payment for XXXX plan payment. 

However, I have had two unrelated purchases refunded to my account. The refunds were for {$210.00} and {$15.00}. These refunds were applied to my chase plan and not the monthly balance therefore forcing me to pay the XXXX promotion early. I had no involvement in where the refunds were applied but because they were misapplied I am now being forced to make a higher payment for my interest saving balance. Or be charged interest unfairly. This is a deceitful and dishonest practice and I can not get help from Chase Customer Service. The third rep I spoke with agreed with me that this is not fair and also submitted a complaint. 

I have called three times and this last time I spoke to a supervisor who would not listen to the issue and instead accused me of not knowing what I was talking about. He was very rude, and did not give me the consumer credit protection agency phone number when I asked. I was also hung up on with no resolution. I did not once use bad language with him I just wanted to be heard. I still have gotten no help and need intervention. 

The supervisor tried to say that they are forced by the government to apply any payments above the minimum to higher interest balances which is also strange because the my chase plan is a 0 % interest but my monthly credit cards APR is 27 % so therefore the refunds should have went to the higher percentage balance. I would like to note that XXXX has the same types of offers and does work to allocate payments with their consumers so I know that it is something that can be done.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXX/XX/XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-05-26
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. (NY)

LOST OF FRAUDULENT INQUIRIES Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I noticed Portfolio Recovery Associates on my credit report and I've never had a XXXX XXXX  and Portfolio Recovery Associates is claiming I owe {$800.00} based on last report. However, when I contacted them, the information they have does not match and they are unable to share or provide ANY information linking me to this account. This is 100 % against CFFB policy and they should be fined for trying to collect a debt that is not owed. 

In my complaint, they send a credit card statement with someone else 's address in California ( and I live in Florida ). Also, despite responding to the complaint they have refused to remove the fraudulent attempt to collect a debt without validating the debit. I hereby request once again the below information. 

Portfolio Recovery has REFUSED to provide the below : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Signed agreement, and application/contract that validates the agreement between XXXX XXXX and XXXX creditor. This was never shared, so it's evident this is fraud. 
Detailed view of what the debt is for, including a signed receipt for any goods & services you're trying to collect this debt for. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to a collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.