davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

Upon having my identity stolen from the scammers simply obtaining my phone number on XX/XX/XXXX, I notified Chase through a call placed from my XXXX XXXX ( XXXX  ) and this is documented in their system, no actions were taken. The next day, multiple fraudulent checks were written in CA ( I live in NJ ) in the tens of thousands after the scammer gained entry into my accounts which holds 3 separate accounts ( checking, savings, and a joint ) and 1 credit card. The scammer was able to abuse Chase 's system and use the stolen number even after an entire week of my visiting/calling the company to put an end to this.

Chase and its representatives has been extremely uncooperative and unprofessional at times. I must have waited through 50 different transfers throughout this ordeal. The teams are all fragmented which requires the customer to navigate the company 's internal teams to retrieve any info. After having removed my phone number from the contact info on the app on XXXX the stolen number still existed as 2FA and in the Chase credit card account. I did not know about this until a full week and a half later. 

Now, after having waited almost a full month, {$13000.00} still has not been recuperated. Chase has shown that it does not deserve the status, respect, and trust of its clients. I for one can not understand how this bank was able to let the scammer move funds around unabated and unhindered, while making it almost impossible for the real customer to get any real help. A month later, 3 reports have been filed, an FBI report was filed, 2 CFPB complaints ( including this one ), the next thing is small claims court.

This complaint is to supplement the one already filed. In the previous complaint, I asked why Chase did not put an end to what the scammer did earlier when I had provided them the warning to " lock everything down '' on XX/XX/XXXX at XXXX XXXX. This complaint is to document that it has been almost an entire month since the incident and no information has been provided to us. Let it be known that I have provided Chase all the documents asked : an affidavit as to what happened, a statement saying I was not aware of the illegal access, and a police report.
Consumer complaint received 2023-07-14
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. (MD)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (TN)

EXPERIAN IS ALLOWING XXXX AND XXXX TO REPORT THE SAME COLLECTION ACCOUNT WITHOUT THE PROPER VERIFICATION. EXPERIAN CAN NOT REPORT THAT THERE IS AN ACCOUNT WITH XXXX  FOR {$13000.00}. THEN THIS ACCOUNT WAS BOUGHT BY XXXX AND IS REPORTING IT FOR {$14000.00}. I DEMAND THE PROOF THAT MYSELF XXXX XXXX HAVE ANY CONTRACT WITH XXXX  AND XXXX FOR THESE AMOUNTS. THIS IS HARASSMENT TO REPORT THESE TYPE OF TRANSACTIONS WITHOUT THE PROPER DETAILS. HOW MUCH DID XXXX PAY FOR THE CONTRACT? I DEMAND THAT EXPERIAN PRODUCE THE WET INK CONTRACTS FOR AVANT AND XXXX ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ) or DELETE THESE TWO ACCOUNTS FOR HARASSMENT. EXPERIAN CAN NOT ATTACK MY CREDIT FILE WITHOUT PROPER LAWFUL PROOF!!!!!!!!
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-10-22
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. (FL)

I have fraudulent accounts reporting on my credit report. I have contacted them letting them know I never have opened accounts with them but they are still reporting on my credit report. 

- XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We closed on a mortgage with a prepaid escrow account that was well over-funded. The servicing was transferred to SPServicing before our first payment was even due. I realized our escrow was over-funded and requested an escrow review. They did the review to find the same conclusion and said a check would be mailed. They claimed the check was mailed XXXX  via regular mail but has not been mailed ( and verified by them ) and today is XXXX They claimed property taxes were paid XX/XX/XXXX but were never paid. I paid them myself so as not to be late. As of today, they claim they are talking to escrow to get the money but they already told me the check was cut but not voided ... and just needed to be mailed. I requested XXXX as the check is for XXXX XXXX  I have been on the phone with them over 6 times since XXXX XXXX XXXX  trying to get this resolved. The escrow account no longer shows the overage and is correct, but the check is still not in my possession over a month since they said it was mailed. I have lost opportunity to use that money for investment, interest gain, and life ; not to mention it is not theirs to keep. The taxes, had I not known, would be delinquent causing fees and interest to be paid and a lien if we never did anything about it. They rarely let me talk to anyone other than the rep that answers the phone. I'm not sure if this is illegal but feels like it.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance :  {$560.00}
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX 2023 I deposited a cashiers check in the amount of {$1900.00} into my checking account at Bank Of America. I was very suspicious and asked the cashier about it and they somehow tested the check and said it was authentic. It cleared to my account the next day. XX/XX/XXXX I was told the check was counterfeit and BOA drained my account.I was told BOA did me a favor, because I've been a customer, they cleared the funds to my account before the check actually cleared. I was told that I am responsible for the amount of the check. I did not ask for a quick turnaround and feel BOAs incompetence their own fault and not mine. The explanation was they don't have anyone to get their money back from. So this billion dollar company is taking it from me because of their incompetence. They said the fraud department wouldn't even investigate. I said I have the name and address of the person who gave me the check. I'm sure this wasn't the 1st time this guy did this.They had no interest at all. Apparently BOA has no interest in protecting its customers.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that XXXX and Experian would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (CA)

Opened online savings account funded from my main bank. Attempted to transfer funds to my bank on XX/XX/24. A hold was placed and my funds refused. They have now locked my account and wont XXXX or transfer {$600.00}
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX has reported 5 of those federal student loans as being 90 and 120 days past due for XXXX and XXXX of 2018. There was ND ( no data ) for years and all of a sudden XXXX started reporting late payments to my credit file. How can I be 90 and 120 days past due when all prior months before 2018 has a check mark? My student loans are now with another servicer. XXXX XXXX has explicitly violated the FCRA with these inaccuracies and the processing department are not being truthful.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Please see attached documentation to meet demands in a timely fashion. 

PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXXXXXX XXXX  and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for XXXX XXXXXXXX
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023, I received {$700.00} from my employer, XXXX XXXX, via my Pay Pal account. When I attempted to transfer these funds to my personal checking account at XXXX XXXX, Pay Pal issued a message that I had been overdrawn on my account. The Transaction ID was XXXX. At no point in time have I ever been overdrawn on my account. I called Pay Pal and they transferred me to a collections agency, called XXXX, which informed me that someone had used my Pay Pal account without my authorization to make a purchase in early XX/XX/2023, even though I have never conducted a purchase with my pay pal account. Pay Pal is clearly engaging in financial fraud by retaining my paycheck. I need these funds to pay vital bills for food and shelter. I plead with the New York Attorney General 's office to compel Pay Pal to enable me to transfer my funds of {$700.00} which were sent to me on XX/XX/2023.
Consumer complaint received 2023-06-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (MS)

I went to XXXX XXXX XXXX store for a hotspot. The agent told me 3 times my services would be {$12.00} a month. I asked her 3 times, are you sure? Her response was yes. Another agent looked at me, rolled her eyes and walked away. I did not receive a copy of any kind of contract at the store. 
My first bill was over {$400.00}. When I called, emailed, texted I was never able to get the same answer. 
I returned the hotspot by XXXX, and I have receipt. 
I spent hours on the phone and was transferred too many times, but I hung on the phone for about two hours. And never got a response.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to request the correction and updating of my personal information on my credit report. I kindly ask for the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience or harm to me
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Consulting Agency LLC (GA)

GLOBAL CONSULTING AGENCY IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT XXXX )
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

My phone has been ringing every 30 - 45 minutes. I block the numbers and they call with new ones. I asked them to stop. I told them this was abusive behavior and if it didn't stop I was going to report them, but they keep calling. I don't want to turn my phone off, but that's what I'm going to have to do for a few minutes of peace. I've been called 8 times today and blocked every number.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal request for removal of mistaken public information recorded on my credit report. I contacted Transunion, to reinvestigate this account I have previously disputed XXXX  XXXX Bankruptcy : Bankruptcy Ref # XXXX with you, and in response, you verified the item as accurate, But how is that possible if this was investigated by XXXX and XXXX and resulted in the same conclusion, a removal from my credit file. I have enclosed a deletion notice from XXXX. I notified TransUnion twice but TransUnion refused to fix and instead just " parroted '' back what the company said.

Under 1681e ( b ) maximum possible accuracy and section 1681i- which this was a lousy investigation.
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (AL)

XXXX ) I contacted Santander in XX/XX/2019 because I could not make payment due to working in the XXXX field, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) I reached out to Santander to ask for a courtesy deletion because I volunteered to have them redeem the vehicle 5 years ago in XXXX. They stated they do not give courtesy deletion, AND can not change the negative reporting remark but I have counselors who suggests Santander does or can do so. 
XXXX ) Santander the vehicle but left a balance remaining, then sold the balance to debt buyer, who is also reporting the same balance. This is double damage and unfair credit reporting and it is illegal.
Consumer complaint received 2024-01-25
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Check City Partnership, LLC (NV)

Representatives from XXXX XXXX, such as XXXX have started calling my friends, and pretended to want to give me a job, to get my friends to give me their personal information. They then disclosed I had a debt and I needed to call them. 
I called them and requested this stop. The rep that answered the phone pretended to be a lawyer. 
They have also reached out to my employment to gain personal information about me, such as pretending I was applying for a new loan and they needed to verify my information. 
Further, they have repeatedly called me numerous times a day, leaving messages concerning the debt, though they have been told I have a debt relief company helping me pay all debt and I gave them the phone number. I asked if they would give me the loan information and they refused. 
I have several voicemails, including voicemails from friends when they called them pretending to be offering me a job. Attached is XXXX such voicemail XXXX left with XXXX of my friends.