davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I tried to fill up an application to see an apartment. I got charged with XXXX dollars for the XXXX payment. When I went to see the apartment, the person didnt receive my call and blocked me instead. I cant get my money back now. The XXXX email id is XXXX by the name XXXX. Her XXXX id is XXXX XXXX
Consumer complaint received 2024-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, My checking and savings accounts with Capital One were first restricted on XX/XX/XXXX. I called Capital One the same day. They informed me my account was restricted due an issue with XXXX payments. They removed the restriction and I was able to use the accounts again. 

XXXX days later on XX/XX/XXXX my accounts were restricted again. After speaking to a representative I was informed Capital One would be " terminating the relationship '' and my accounts would be closed immediately. I was told I would receive a check in the mail with my balance within 1-2 weeks. The total balance of my funds with Capital One is around ~ {$8000.00}. 

On XX/XX/XXXX I received an email from Capital One stating I would receive my balance within " 7-10 business days ''. I have included the email in my complaint. 

On XX/XX/XXXX I called and was informed there is suddenly an ongoing " investigation '' of my account. According to the representative my funds will be held until said " investigation '' is over. The representative was unable to provide a reason for the " investigation '' or a timeline it would be completed by. 

Today is XX/XX/XXXX. I have not received my check or any letter related to this incident. 

I find this extremely frustrating as my balance was fundamentally stolen from me and I have been offered XXXX recourse or even an expected date my money will be returned. 

I am no different than anyone else, I have bills to pay, a stomach to feed. This theft has negatively affected my daily lifestyle and my ability to support myself. 

I believe I have done nothing to warrant an " investigation '' and this gross corporate malfeasance seems like a predatory excuse to retain my funds indefinitely. 

Thank you for your time.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (GA)

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!!

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 

consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in XXXX XXXX software to the other agency to come back verified is not the proper way in law to do.
Consumer complaint received 2020-01-08
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. (GA)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian allowed a fraudulent collection agency to add a debt not owed to my credit profile without taking the proper steps to confirm the validity of this debt. I do not owe any collections and this has impacted my credit score severely by plummeting my score by XXXX points. It is their responsibility to validate and confirm the debt is actually owed. They took no steps to research they simply just added a late payment and collection which is 100 % false and illegal. I have perfect credit no late payment no past due debts, no negative factors until they allowed XXXX XXXX to add this falsified charge. This is criminal and I will be seeking legal action.
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (CO)

On XX/XX/2018, my wife and I got a mortgage from XXXX XXXX to purchase our first home. At this time we set up auto-pay and have NEVER had a single late payment. We have worked for the last 10 years to earn a credit score over 800. A couple months ago I was shocked to see my personal finance software produce a XXXX estimated credit score on their credit estimator tool. My wife and I never pay late, we set up everything on autopay, and were not aware of any issues that would cause this. 

As I began digging and calling credit agencies I was told that " Truist '' was the source of the negative mark, which made no sense to me as I have never done business with Truist. As I dug through my bank accounts, and called Truist I finally pieced together what happened. My mortgage was somehow purchased by Truist without my knowledge. I was still on auto-pay with XXXX XXXX, and nothing looked off until the refunded payments after I'd paid them months later. As I have finally been able to talk with someone from Truist, they described to me what addresses and phone numbers were called, all of which were incorrect. Documentation was mailed to XXXX XXXX XXXX ( the home the mortgage is for ) but we never received it as it is being sold and has been unoccupied. I now have updated all information with Truist to be current and accurate, but the damage of the negative mark had already been done. I tried doing the phone based " credit dispute '' with Truist but just received a letter that it was declined, which baffled me as no one even got any information about what happened, they just declined it without getting any additional info. 

I spoke with a Truist agent on the phone that said to use Truist 's online form so that I can actually include the details of what happened and said that " this certainly meets the criteria for a credit dispute approval ''. I have now tried to submit this 3 times and each time no one responds. A month later I receive an automated letter in the mail that they are unable to correct their mistake. This is inexcusable. This is now causing us financial hardship as we prepare to use our credit and it is showing much lower than it should.
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.
Consumer complaint received 2020-01-08
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 (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate.

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX : XXXX has violated my rights.

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

15 U. S. C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 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 2022-12-13
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (PA)

I used my card on XXXX XXXX at an ATM then later when I tried to use it in a vending machine it said transaction declined. I call customer service which was overseas and the reps were not understandable and I was refused a supervisor. They couldn't or wouldn't tell we why the account was frozen, and they put me on hold which kicked my call out of the system. I went through this several times each day over several days. I also started an email trail which went nowhere but at least I have proof of dates and all I did to rectify the situation. They finally told me my card was fixed and when I tried it in the vending machine it worked, however later I attempted to withdraw cash from an ATM it said my account was in the negative by XXXX USD. There was over {$2000.00} USD in that account, then they said that I reported the card lost ( never happened ) Then they started a claim dispute in my name, but they want me to write a statement listing the disputed withdraws, I can't do this because the account is inaccessible. I am at a lose as to how the ATM withdraws were made after the card was frozen but that is what NetSpend is claiming. 
I really believe they are scamming me.
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

After getting a credit alert from XXXX. I preceded to look and see what it was. FCO claimes I owe over $ XXXX. So I proceeded to call and after many attempts I was bullied by XXXX XXXX who proceeded to claim I signed a lease and resided at the XXXX. This is untrue as I am a XXXX XXXX and have lived in the XXXX for 22 years. Then went on to claim I made $ XXXX a year and then I told him I have not worked since XXXX after XX/XX/XXXX. Since I have suffered with XXXX and felt safer in XXXX. Also, I told him I was there 1 day on move in and went to the office where I signed for a key with a old fashioned pen not Docusign. I have never spent 1 Night at the XXXX or even lived there. Then he mentioned co-signed which I did not. Now when I call they hang up and say it is in review. So I asked to please remove it off my credit until they sort out whatever mistakes they made. I have since try calling Managers XXXX XXXX, XXXX XXXX and XXXX XXXX. Not able to reach or do they respond. After many emails I have yet to receive any documents to prove their claims. Only they claim that the debt was reduce to $ XXXX but still they leave it at XXXX on debt collection. To date I have never had a missed payment on any debt and I find this company is a bully, unresponsive and aggressive and I cant answer a simple question or send me proof. 

Please look into this situation. 

They told me to reference a case number XXXX
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CA)

XX/XX/2022 a military personnel wanted to friend me on XXXX and I accepted, his name was XXXX XXXX. A couple weeks later he asked me to download XXXX chat app so we could text. Our relationship was going very well and feeling grew. About 5 or 6 weeks later he told me he had to get his personal papers and XXXX XXXX dollars and gold dust that was in a box at a security company in the XXXX. The company " XXXX XXXX " was having management problems and the building was being under new owners and being turned into a hotel and he need his property mailed to me until he retired in 3 months. 
This is where the fraud and scam started. The were named changing cost, flight cost and other charges to get his box delivered to me. My money was sent to Security Service Federal Credit Union in Colorado to a real account. 
XXXX also wanted me to email The United Nation to help him get leave so he could visit me because now ,4 months later he wasn't retiring yet and would cost me over {$4000.00}. 
I XXXX The United Nation online and this is when I knew he was lying and scamming me.
Consumer complaint received 2020-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

XX/XX/XXXX my husband and I received a call stating that we were late on our XXXX and XXXX mortgage payments. When I talked to a representative for the company they stated that since my husband had just completed his bankruptcy that we had to wait so that they could confirm all of the information and they would call us to let us know. However, before his bankruptcy was discharged on XX/XX/XXXX we had and have been on time with our mortgage for the last six months and I offered all of the confirmation numbers as well as all of the documentation from the bankruptcy courts stating that we owed our mortgage company {$0.00} however this month we received another phone call with the same statement and I have been transferred and hung up on with no help no solutions and no return calls. We are now at XXXX and they are stating that we are still behind when our XXXX payment was completed on XXXX. So I would like to file a complaint that they are trying to make us pay a payment that we do not owe as well as they will not allow us to talk to any department outside of collections. Pennymac is a HORRIBLE mortgage company and they have no clue what customer service is.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (UT)

AFNI is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-08
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. (AZ)

XXXX/XXXX is reporting incorrectly to Experian a balance due of {$680.00} on the XXXX/XXXX partial account number XXXX. ( Please see account information attached. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times to reach XXXX to remove this account from my name however, I have not been successful. This incorrect reporting of an account with a balance due, that does not belong to me, is harming my credit score. This line item needs to be removed from my credit report. I have also contacted the bureau to remove this line item however, I was not successful in that endeavor either.
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I booked a safari to XXXX and XXXX with XXXX XXXX XXXX, a longtime well regarded XXXX safari operator. In my email with them, they instructed me to send my payment of {$12000.00} to the following - Account Name - XXXX XXXX XXXX Account Number XXXX Branch XXXX XXXX Branch Code XXXX Bank Name XXXX XXXX Code XXXX On XX/XX/XXXX I went to JPMorgan Chase in XXXX, Illinos and completed the transfer. Chase Wire Tracking number of XXXX I received an email back from XXXX on XX/XX/2019 that my payment had been received in full. 
Today I received an email from the same email address saying that they had been trying to get ahold of me and that I should contact them as soon as possible at XXXX. The email was from XXXX XXXX, the Director. She asked if I had sent the money yet to their bank in XXXX. I responded that I had sent it to XXXX XXXX as instructed. She then responded that they have no bank accounts in XXXX XXXX, only in XXXX. She believed our emails had been compromised and instructed me to contact my bank as soon as possible. They never received the money. 
Now it appears I am out {$12000.00} with no safari. 
Help! I've asked Chase to try to contact the XXXX XXXX XXXX and get my money back. The email of XXXX is XXXX and their website is XXXX XXXX XXXX