davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018, I was visiting family in XXXX XXXX XXXX and went to a Chase ATM at XXXX XXXX, XXXX XXXX, NY XXXX. I was accompanied by my boyfriend and cousin. I attempted to deposit {$680.00} in cash at the ATM, but was given an error response and told to contact Chase immediately to resolve the issue. I called the number provided and spoke to a customer claim representative about my problem and gave her all of the details. I was told that it would be taken care of and was emailed an update regarding a " temporary credit '' while Chase investigated my claim. 

I received a letter from Chase on XX/XX/2018 that my claim was denied and the " temporary credit '' will be reversed. I called the Claim department at Chase to understand why my claim has been denied and how I can get my {$680.00} back. That money is an entire month 's worth of rent for me. The representative was unhelpful and informed me that the Claim department 's investigation allegedly showed that the ATM didn't have the money that I deposited. I asked about any steps I could take to resolve the issue or appeal the decision, but the representative was not forthcoming.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The RADIUS GLOBAL SOLUTION XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


RADIUS GLOBAL SOLUTION XXXX
Consumer complaint received 2018-05-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This credit card account is not mine. I have contacted the original creditor XXXX XXXX and the collection agency handling the account. they said it was opened on line, they are unable to provide me with any signed contracts regarding this or validate the debt. I have never even heard of this company. They have now sent it to the credit bureau and said Im responsible for the debt. I dont understand how they can hold me liable for a debt that is not mine? It is fraudulent or they have made a mistake somewhere within their company either way this is not my debt. I want them to remove the debt from my credit report and seize any further collection attempts toward me and stop credit reporting regarding this account. Thank you.
Consumer complaint received 2023-03-11
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. (SC)

This is my OTHER 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, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 at XXXX an ATM withdraw was attempted. 
At this time with eye witnesses no money or transaction receipt was dispensed At the time of the failed transaction, a call was immediately executed to report the problem to my banking institute. 

My account was frozen at this time pending further investigation My banking institute posted the funds completed on XX/XX/23 from the Merchant XXXX XXXX XXXX as completed transaction. 

A week later, my banking institute Wells Fargo provided me a provisional credit was given. 

Upon completion of my case, the banking institute denied my claim and reclaimed their provisionary money back without sufficient evidence to sustain the vendors transaction. 

We called our bank Wells Fargo to obtain written proof of their findings. 

Upon review of their findings, they provided computer a transaction report that was faulty as there was no money or ticket that came out from the Machine. We offered eye witness evidence, but the bank failed to take their reports. The reports obtained were not sufficient to have denied the loss of our funds. 

We again pursued to keep filing more grievances and they have gone denied. 

We are in search of again reopening and re investigating the case. 

We pointed out, that in accordance with our immediate calls at the time of the incident along with eye witnesses the machine may have printed out a false receipt to the vendor allowing them to fraudulently report their findings. 
The receipt from the investigation department did not provide video evidence of a video of a completed transaction. 
Without video verification and using a faulty machine, how can the vendor conclude their findings without their depository receipts. 

If the machine worked properly, my banking institutions flags would not have gone unnoticed. My daily limit would have been reached. Again, this faulty or fraudulent machine from the vendor which must be investigated. 

i will need to continue to pursue losses and file additional grievances in pursuit of loss and distress why would Banking Intuition Wells Fargo not ask for proof of video verification and the their daily receipts from the ATM Machine. 

Note : with the location of the atm machine, there was clear video on site. why was this not taken into consideration nor provided by the vendor. 

Wells Fargo failed to fully investigate on our behalf and failed to provide in a timely manner the full spectrum of their investigation department. if they would have done so, video evidence would have been received immediately within the area of security where the machines were located
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (TX)

Dear CFPB I hope this letter finds you well. I am writing to urgently address a concerning issue regarding my Pay fare international  debit card and the missing payment of {$830.00}, which has not been credited to my account. 

I have been a loyal user of the Payfare internationalXXXX XXXX  debit card for approximately Six months now and have had a generally positive experience. However, since I recently started a new job and added the debit card as a payout method, I have encountered significant difficulties in receiving a payment. According to the agreed upon terms, the funds should be deposited into my account every Thursday at XXXX XXXX. Unfortunately, I have not received a payment this week. 

To resolve this matter, I have reached out to XXXX XXXX XXXX multiple times, ive reached out since Thursday XX/XX/2023 explaining the situation and expressing my concerns. However, each time I have contacted them, I have been met with the response to wait patiently, as they do not see any issues on their end. Conversely, my employer has assured me that the payment has been successfully processed and should have been credited to my account. 

I must express my deep frustration with Payfare international for not taking my concern seriously and not providing a satisfactory resolution. As a hardworking individual who relies on these payments to meet financial obligations, this situation has caused significant distress and inconvenience. 

I kindly request immediate action from your end to investigate this matter thoroughly and provide a prompt resolution. The missing payment of {$830.00} has caused substantial financial strain, and I expect it to be rectified without any further delays. 

I appreciate your prompt attention to this issue and expect a response within the next business day. Please reach out to me at XXXX or XXXX to inform me of the actions taken Thank you for your understanding and cooperation. I trust that PayFare international will prioritize this matter and resolve it in a timely manner. 

Yours sincerely, XXXX XXXX.
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: Navient Solutions, LLC. (TX)

I attended XXXX-XXXX  XXXX Online and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through Navient, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/Navient and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/Navient these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.
Consumer complaint received 2023-11-28
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. (CA)

I filed a dispute with Experian regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to Experian advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with Experian once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor Experian any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX Police Department on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX-Home was flooded, filed claim with my insurance.

XX/XX/XXXX-Th e checks from my insurance were to be released through my mortgage
lender Chase Bank upon inspection of repairs checks were to be released in thirds to myself and contractor. 

XX/XX/XXXX- As the repair job reached the end the last payment was to be released I found out my Contractor was Unlicensed and I started finding his work to be below standards, he also turned in to my insurance for services and materials I never received. In California as an Unlicensed contractor he was only allowed to collect for each claim {$500.00} per claim, he ended up receiving well over $ XXXX, this is fraud and neglect on his behalf and I am in the process of pursuing legal action against him for this. Chase Bank released the last amount of repairs to me but they put my name and the contractors name on the check so I can not cash it to complete the rest of my home repairs. 

XX/XX/XXXX-I called Chase and they said they would not change the check with just my name on it until I mailed him the same letter certified 3x times asking do I owe him more money for the job? I even went into different Chase Branches asking for their help to correct this and they would always send me back to the same department. 

XX/XX/XXXX-I have since mailed my old contractor the letter ( one time only ) the bank says I needed to send him, but I have not received a reply from him. I do not owe him anymore as he has collected well over the legal amount he was allowed to receive. Even though I told the bank this information they still refused to change the check until I send him the same letter
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-26
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. (NC)

Experian credit bureaus is still reporting identity theft inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Experian has not followed the law after several days of me reporting this complaint to experian and after I have provided an identity theft report and police report outlining two two fraud inquire from most recent ( XXXX XXXX, twice ) and one that was reported months ago with identity theft report and police report. ( XXXX  ) see attached.
Consumer complaint received 2023-05-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX opened XX/XX/2022, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-26
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. (CA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-30
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. ()

I contacted Equifax first time on XXXX XXXX, XXXX ( Ticket # XXXX ) as my file was mixed with someone else. I had problem getting rental properties because my credit score & report was not accurate. Until today, even after filing multiple disputes, my credit report is still not accurate. I am getting problems renting apartments as my credit score is low because of mixed up. 
History of contact with Equifax with no result : XXXX. XXXX XXXX, XXXX ( # XXXX ) XXXX. XXXX XXXX, XXXX ( # XXXX ) XXXX. XXXX XXXX, XXXX ( # XXXX ) XXXX. XXXX XXXX, XXXX ( # XXXX )
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$730.00}
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Consumer complaint received 2022-12-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

The below complaint was submitted numerous times prior, a general form response received which is a duplicate. The last response stated the company could not comment on it due to past or current litigation, which is a lie. The rep, XXXX XXXX, reverted to this response so as to avoid addressing complaint or providing any detail of prior attempts at resolution which he claims have been exhausted..I can assure the CFPB any past litigation has nothing to do with him not being able to reply.. 



The below complaint was submitted prior, a duplicate form response received from XXXX XXXX with Wells Fargo, one of several. Based on this, my complaint was not addressed. Further, a reply in XXXX was never received as was mentioned. XXXX replied by stating numerous attempts at resolution have been made but has not detailed one, there was no contact from anyone at Wells Fargo aside from XXXX XXXX whom offered a bogus settlement offer. Wells Fargo failed to honor this settlement offer made to me in XXXX by XXXX XXXX, a rep with Wells Fargo. The offer amount, {$3700.00}, was never received and it is now XXXX. Prior to this, I requested a refund in the amount of {$610.00} which includes mainly overdraft fees charged to accounts not authorized. A total of four mediation request forms were sent in, XXXX XXXX contacted me, offered settlement amount in XXXX, no payment received to date.. Since no payment was received in re, additional CFPB complaints were filed. XXXX replied most recently stating numerous attempts at resolution were made, which is a lie and seems to provide the same general form response to each and every complaint. I can assure the CPFB there were no such attempts and Wells Fargo is fully aware of resolution which has been detailed numerous times. I will reiterate again here, refund of {$610.00} will resolve matter since no settlement payment was received. I have contacted the XXXX XXXX XXXX Attorney as per instructions from a XXXX, a rep with class counsel for Wells Fargo Settlement.  XXXX informed me Wells Fargo is involved in at least three class actions, XXXX Settlement, WF Settlement, also a settlement with all 50 states, the Attorney General of each state.. I have also contacted Attorney General here in Connecticut as well as California, advised them of my situation. I suspect XXXX will provide the same carbon copy reply in which case I can assure any third party Wells Fargo claims of attempts at resolution are 100 % false and bogus, he has not detailed one such  attempt. Most recently as of, XX/XX/30, I spoke with XXXX XXXX in their Executive Office, she could not find any cases under my name despite numerous CFPB complaints filed as well as OCC, ( Office Of Comptroller Currency ). It appears Wells Fargo has not looked into this matter, evident in the fact they have not opened any cases in re. Another mediation request form was received recently, I've filed out a total of four of these forms, sent them in, was denied mediation.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.