davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I discovered that I was scammed by someone impersonating a XXXX XXXX  XXXX. A woman that is working in conjunction with online scammers who lied served as the " agent '' here in the USA that helps customers like " me '' to send payment for a package in order for me to receive. The money transfers were via XXXX through my personal Bank account. After I realized that it was all a scam, I called and spoke to customer service representative on XX/XX/2XXXX XXXX XXXX  EST at XXXX in which they told me to report the the scam at XXXX : XXXX. I had to do two different reports because there were two transactions. I did and never heard back from anyone. I also called Chase Bank to report the fraud and they referred me to contact XXXX to report the scam. 

I sent several request to the person who received the money to return the money because I had found out that it was a scam however, the person never responded. images showing that the transactions went through and the person confirming that she received the money. I addition, I have emails where the woman states that she has " helped '' others in the past with the address of the places she go to make the deposits. The receipts shows the date, the name of the woman who is doing the dirty or serving as the middle person. Last, I have the person 's bank account, routing number that they wanted me to transfer the money to. 

I made to separate reports, one with the IC3 FBI and the other with the FTC. I've never heard back from anyone either. I would like to know if you can help me get my money because I am struggling financially.

It would be nice if I could talk to someone who can help get these scammers because I have information that can help get them such as emails and receipts showing the places where this " agent '' utilized several times to continue with her crime. Sadly, I did not get any response besides the confirmation that my reports and complains were received meanwhile, these people continue to take advantage of good people.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Fraudulent accounts appearing on credit report. XXXX. XXXX XXXX {$940.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$24000.00} XXXX. XXXX XXXX {$1100.00}
Consumer complaint received 2024-01-15
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: U.S. BANCORP (PA)

I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In review of my credit files, I noticed that there was a " collection '' being reported to all three credit bureaus from Portfolio Recovery. I wrote to Portfolio Revcovery on XX/XX/2022 in regards to a " collection '' account that they placed on my credit file. ( See attached letter ) They, in response sent a letter dated XX/XX/2022 stating that they had completed their investigation and established that the account was " valid. '' They also sent a " Simple '' invoice as their " Proof '' of validity '' which does not provide me with the information originally requested. 
( See Attached letter )
Consumer complaint received 2024-01-15
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES , LLC violate my privacy in the Privacy act of 1974 making false and misleading claims on my credit report making me suffer in emotional damage, embarrassment and humiliation when applying for service and benefits with other businesses also the account that PORTFOLIO RECOVERY ASSOCIATES , LLC purchased was consider a charge off according to the IRS under section 166 Deductions For Bad Debts and 26 CFR 1. 166-2 Evidence of worthlessness which means that it is a certificate of Indebtedness and must be remove my credit report and failed to do so.
Consumer complaint received 2023-04-22
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. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2017-09-21
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 (FL)

My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I XXXX have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.
Consumer complaint received 2023-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have disputed this item a dozen time on my credit report with both XXXX XXXX XXXXXXXX XXXX and all 3 credit bureau in regarding 60 day late payment reporting XXXX I have paid in full and this company reported 60 days when I have contacted them several times in regards to my payment history. I have paid on time. I have not received any response from XXXX or any document of late payment. The credit bureaus did not conduct any investigation the only thing that they would update account with no resolution. This account has aged and it is significantly sitting as a derogatory account it is now 7 years. I would like it to be removed off my credit file. This is damaging my creditworthiness.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

Tried to get assistance with my home loan and they would not help. Ended up foreclosing on my home and selling it at auction. This was about 5 years ago, and today I receive a check for XXXX from the stating that they had an error is on the assistance process. I lost my house and they only give me XXXX? If they are going to pay out I seek a real payment rather than a small XXXX. They ruined my life and caused me to leave the house I was in for 17 years.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

Has made repeated calls to personal cell phone at XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XXXX and XXXX. These are all calls from XXXX. They are also calling from XXXX and XXXX. The person they are attempting to contact is not myself. I have repeatedly asked them to remove my number from their contact list with them agreeing to do so and still receiving calls.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OR)

Regarding : my U.S. Bank VISA XXXX XXXX XXXX XXXX In XX/XX/2024, I received an email offer from U.S. Bank, expiring on XX/XX/2024, promoting ExtendPay Plans with {$0.00} fees. On XX/XX/XXXX, I initiated a {$1200.00} transaction ( motel reservation ) intending to utilize this offer by combining multiple transactions totaling over {$2000.00} into a single ExtendPay Plan for an extended pay-back period.

Regrettably, the transaction didn't clear until XX/XX/XXXX, post-expiration of the {$0.00} fee offer. Anticipating a new offer, I delayed action until XX/XX/XXXX, the deadline for ExtendPay Plan creation. However, on XX/XX/XXXX, an autopay inadvertently applied the transactions, prompting immediate action. 
Despite promptly creating an ExtendPay Plan, a subsequent payment fully cleared the newly created plan of {$2400.00}. Following U.S. Bank 's suggestion, I sought a payment reversal and requested XXXX, the payor, to stop payment. While XXXX initially cooperated, subsequent actions led to further complications. 
Repeated attempts to rectify the situation resulted in prolonged and frustrating interactions with U.S. Bank, amounting to 16 hours and 40 minutes of phone calls. Despite these efforts, my account balances remain inaccurate, with no satisfactory explanation or resolution provided by U.S. Bank representatives.

Given the complexity and ongoing errors, I request a thorough investigation into my account, including a review of recorded phone discussions. Attached are comprehensive records documenting the sequence of events and communications, including 35 attachments detailing the historical list of records and a list of phone calls made.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

*On XX/XX/XXXX, I needed to access my credit freeze. I couldn't log in via Experians IVR system or website, my ID/PW was not accepted. 
*I attempted to utilize Experians " Forgot Password '' and " Forgot User Name '' functionality in addition to standard login. Each time I received " Sorry, but that didn't match up. Please try again. '' *In Experians IVR system, when I requested to speak to a representative the system wouldn't allow it ; multiple attempts were made. 
*I 've sent 2 emails to the email address provided on the Experian website ( XXXX ). I have not received a reply. 
*I have a credit freeze with both XXXX and XXXX XXXX All three were opened at the same time and I have no issues with XXXX and XXXX. Their service works great.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PLS GROUP, INC (CA)

I've been in contact with PLS check cashing bank since XX/XX/ the first month I received a refund on my month of XXXX statement called in to ask questions on exactly how what steps I need to take to receive my refund in a timely manner. Upon being told that it would take seven days to appear on my balance I continued to decide to use the prepaid card not thinking I would be told I was going to be receiving my refund to being told I wouldnt be receiving my refund. I kept in contact for more then a year and it's been hard to let go I've been patient I've been persistent and managed to do all the work with the proof and rebuttals dispute for longer then two years now. I'm now being told I didn't fill out paperwork correctly and it's past the amount of time I had to dispute for my refund. Leaving me drained of my money I'm still willing to recover with your help. I'm XXXX and I have never been treated with so much agressiveness and bitter customer service from any company in my life. Just to spend more time giving all my documents in a properly manner and be rejected has took em it's toll on me. I have recordings emails mailed letters in my records. The total amount has even been changed and I still would've taken it instead of getting nothing in return. It's very upsetting that I used the card even after this issue had occured and they kept me on phone for hours hanging up on me after three hours of waiting.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I have been banking with Bank of America , N.A . since XXXX and have had not issues or matters of concern here. My credit account has been never late and without any issues or concerns. I only have one line of credit open with Bank of America, N.A and with no one else. 

On XX/XX/XXXX, Bank of America , N.A . sent me this notice out of the blue saying they are closing my account with no specific reason indicated. ( See attached email notification, I am submitting this complaint to validate this complaint. ) I now want Bank of America , N.A . to directly contract their source of bearing of information and produce such evidence to the Consumer Financial Protection Bureau in their answer and response to me on this forum or panel. No Exception here. I want to know the source name, address, and legal counsel information to support their actions or reason to close a perfect account. 

I don't want to hear due to inactivity when this account has been used in the past 12 months and has an award balance on my account. I want to know what credit bureau reporting agencies reported saying that I am not ethical and I am not paying my obligations or debt. Since, it appears as if your representative informed me over the phone that such credit bureau agencies may have reported something to you when they see that I don't owe Bank of America , N.A . anything.

I want to see the proof coming from such agencies that you believe in to show that I owe someone anything. 

This will most likely cut my tides with Bank of America , N.A . and I can take my business to someone else where I can get the professional service and respect that I should have been getting. 

I want to see proof/paperwork submitted to the Consumer Financial Protection Bureau to validate your reason for doing what you have done.

I want my points award check for around {$500.00} that should be on my account. You owe me and you closing out my account without any notice as if I am not paying my financial obligations when you are the only financial institution that I have an open line of credit with.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

On XX/XX/, I visited the Nelnet loan servicing website ( Nelnet.com ). I have a number of student loans serviced by Nelnet, but not all the loans carry the same interest rate. My question is a relatively simple one. If I want to make an extra payment, I would like that payment to be exclusively applied to the highest interest loan, so, " how do I direct a payment to a single loan, rather than having it spread across all loans? '' To answer this question, I went to Nelnet 's " Contact Us '' page. On the page, there is an option for " LIVE chat, '' however, upon clicking the live chat, the chat is directed to a bot, not a living person. The bot has been given the name XXXX, in an attempt to obfuscate the fact that it is not " live, '' or human. Further, the bot is incapable of answering the question that is the intent of contacting the so-called, " live chat. '' When the bot is then asked how to speak to a human, it directs back to the " Contact Us '' page, which in turn then directs back to the " live '' chat in a circular manner, never yielding an answer to what is a simple question.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2022 someone applied under my name through XXXX  XXXX XXXX, who I don't have an account with, for a XXXX credit card. This has negatively impacted my credit scores with at least one of the credit reporting companies TransUnion. XXXX  XXXX XXXX has reported this to their fraud division but they said I needed to report this to the credit reporting companies. TransUnion advised that they require a police report or a report made online through FTC Fraud website, which directed me here.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (AR)

My husband passed away on XX/XX/23. I called my mortgage company to see if we had credit life insurance and was told we did.My mortgage was then was then sold to a new company on XX/XX/23. I have made no payments since because I was told we had the creidt life insurance. Now the new company is badgering me about my account being delinquite.I have been trying to reach my previous mortgage company but all I get is automated and they tell me to contact my new mortgage company. I don't want to lose my home but I did not know to get this resolved.
Consumer complaint received 2024-07-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management (TN)

Have requested back in XXXX  for them to correct the billing, information was never corrected and was sent to collections. Made several attempts to speak with XXXX @ phone number XXXX. XXXX has never returned the first phone call that was in XXXX. Have made several attempts since and has never returned any calls.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (PA)

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report dating XXXX XXXX, XX/XX/XXXXXXXX, and XX/XX/XXXX XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( Acc # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
American credit acceptance is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on including adding unauthorized charges and taking away point from my credit score on an closed account.The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this