davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On Wednesday XX/XX/2021 at roughly XXXX XXXX I got a Robo call and did not pick it up, I got another one immediately answered it and was told it was so and so ( I can't remember his name ) from Chase XXXX I said no it's showing as a Robo call. He said that was strange but to go into my caller and click on the info, when I did it showed as Chase and the number that is on the back of my debit/credit card. This man told that a woman named XXXX in XXXX had stolen my account information and set up an auto draft with XXXX XXXX. In order to stop the auto drafts was there an email address not currently tied to my Chase online banking accounts? I gave him an email that I rarely use and I started getting emails from XXXX XXXX backing up everything he was telling me. He told me that we needed to close my checking and savings accounts so that this person could no longer auto draft the funds and I would need to first XXXX transfer all the money in both accounts to my other email address. Once I did that I would be getting a 6 digit access code from XXXX XXXX. When I got that code I needed to confirm that number to him so they could verify my identity and ensure that my original account was untied to the XXXX XXXX auto draft. 

The second I gave him the code, the money in my accounts was gone and so was he. We had been disconnected once in the call prior, but he called me back in less than 10 seconds. I EVEN said, I swore this was a scam, but when he called back was assured. I never gave him any of my financial information, XXXX, XXXX, or anything like that. I had no clue that Chase didn't call you, and even more so that they wouldn't call from their customer service number. 

I reported the issue to Chase as fraud, but found out today, because I XXXX  myself the money, they are not reimbursing the funds. I also called XXXX XXXX as I thought they would like to know someone is using their company name to scam people out of money. They wanted nothing to do with the situation and offered me no assistance what so ever.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

I have an maintained an account with PayPal for 3 years. Today, I received a direct deposit from the IRS in the amount of {$9200.00}. Two minutes after the funds were available, PayPal placed a limitation on my account citing the unusually large deposit. I called their customer service team and asked them to correct their error. The representative informed me that he corrected the issue and within 3 business the limitations would be lifted and my funds would be available. Two hours later, I received an email stating my account was permanently locked and my funds were going to be held for at least 180 days and I had no recourse to reverse their final judgement.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

I have been disputing this account for some time now with XXXX XXXX. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Adjustment Service, Inc. (NY)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name, XXXX, XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all the matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; The telephone number XXXX is associated with debt collector XXXX  XXXX  XXXX which has initiated contact with me, the consumer, via telephone communications received at my dwelling at XXXX XXXX  EST on the date of XX/XX/2021. This is a violation of 15 USC 1692c ( a ) ( 1 ) as it is never a convenient time for a debt collector to contact me. 

Also pursuant to 15 USC 1692c ( a ) they would need prior consent given to them from me to contact me, I have given no such permission orally, written, or otherwise communicated. This is a violation. 

15 USC 1692b ( 1 ) they did not call to confirm or correct address, nor did the representative identify herself. This is a violation. 

15 USC 1692b ( 3 ) I never requested to be contacted by XXXX XXXX XXXX. This is a violation. 

15USC 1692b ( 5 ) The representative used language that indicated the collection of a debt. This is a violation. 

15 USC 1692c ( a ) ( 3 ) can not contact me at my place of employment without consent from my employer. I am my own employer and my place of employment is my dwelling. I never gave my location or permission to contact me. This is a violation. 

15 USC 1692d ( 2 ) The representative used obscene and profane language in the telephone communication. Congress does not and can not define what obscene or profane language is to me, so most certainly no one else can constitute what is obscene or profane to me. This is a violation.

15 USC 1692e ( 11 ) The representative failed to disclose that it was an attempt to collect a debt. This is a violation.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to XXXX, Equifax, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

I have been disputing this account for some time now with FRANKLIN COLLECTIONS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to Transunion, XXXX, XXXX  that my account is charged off.
They have also reported the account multiple times on my reports.
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (TX)

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 I wrote a check to a vendor for {$100.00} and mailed it though the XXXX. On XX/XX/XXXX I received an email from Wells Fargo that I had insufficient funds. I immediately logged on to my account and saw that the check in question was fraudulently changed from {$100.00} to {$2800.00} and the payee was changed to " XXXX XXXX. '' It is clear upon seeing the bank scans of the front and back of check that payee and amounts were " whited out and changed. '' I have attached pictures of said modified check. I have also made NO progress with Wells Fargo Bank when I immediately notified them of the problem. I have filed a complaint with the Pennsylvania XXXX Police - Case No XXXX Identify Theft - through the XXXX State Police , specifically XXXX XXXX who has been managing this case. The State Police contact is : XXXX XXXX XXXX, XXXX, PA XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I went to two ATMs to withdraw money. I went to 2 ATMs because I thought there was a problem with the ATM. My transaction was charged, then reversed several times. The transaction charged my account 12 times. They charged my account {$300.00} eleven times, and {$100.00} one time. This has never been a problem. Usually Wells Fargo sends me an alert that I approve. I had to call twice today to get help. The first agent did not resolve the problem.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.
Consumer complaint received 2023-11-03
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. (IA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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. XXXX XXXX XXXX and 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 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 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (FL)

On XX/XX/10, I decided to apply for the Discover it Cash Back credit card. Before I submitted my application, there were two items required in order for me to submit my application successfully. First, the front and back of my driver 's license and secondly, my social security card. The website advised that it was to confirm my identity which is ridiculous especially at a time when data breaches are occurring more frequently. I did not feel comfortable uploading those items and discontinued the application process. I did not submit my application successfully therefore a hard pull of my XXXX   credit file was not warranted. Discover Financial should have done a soft pull and once I submitted my application, a hard pull. With all due respect, my score dropped 10 points due to their hard inquiry. I did not even receive any confirmation from Discover Financial that my application was even received so I believe this was an error on their end. I emailed their executive office XXXX. I immediately advised that I was no longer interested in applying for their credit card and that I did not submit my application to them for processing. The next day, I received an email from their customer service department advising that my application was still pending. After further research, many consumers that have tried to apply for their Discover It credit card have complained about the same thing : they request a copy of their social security card to be sent to them to confirm citizenship disguised as identity. Their tactics are appalling and I have reported them to the XXXX  as well. I did not submit my application to Discover Financial because I did not think it was safe to submit my social security card out of fear that it would be compromised and discontinued the application process. No other creditor has ever requested for me to send them a copy of my social security card to apply for credit. They had no right to pull my credit report since I did not finish their application process online. To add insult to injury, no one from their executive team has had the courtesy to reply to any of my emails. Furthermore, I think that XXXX  is also at fault because they allowed them to pull my credit report in the first place. I will never apply for any other credit card that XXXX  recommends since they receive a commission for each applicant. I have contacted XXXX   and have received no assistance there either.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

I purchased two money orders from Western Union to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted Western Union and they traced the money orders. Both money orders, one for $XXXX and one for $XXXX had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. Western Union paid me back for the $XXXX, but said the bank that had cashed the check, XXXX XXXX, never responded to their request to refund the money.  I filed a complaint with you and XXXX XXXX responded and provided proof that they had sent a check to Western Union for $XXXX.  I have contacted Western Union and asked them to pay me the $XXXX, but they have not responded.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (CA)

I have been trying to pay Opploans and they are unresponsive to emails. They have reported to XXXX, XXXX, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient/sallie mae loan company made illegal charges and did not offer loan repayment plans to me when they bought my loan. They illegally deferred my payments and didn't offer any solutions other than forbearance. My loan has tripled in amount but then they paid me from a settlement in a lawsuit for calling my work and for charging illegal interest and charges. During that time ( XXXX ) I was placed on forbearance at least 7 different times. I was not given options. They harassed me at work until I was put on forbearance with my loans. One advisor also told me they would ruin my life. When they began getting sued they sold my loan to XXXX XXXX/XXXX. They began to garnish my wages. I asked for a hearing to request a stop to garnishment through financial hardship but I was denied. I called XXXX and they refused to give me any information on to why I was denied. They refused to disclose any of the process to denying me. They Garnished over 1100 dollars a month. To get off garnishment they said I must pay another $ XXXX month in addition top garnishment? Meanwhile they destroyed my credit by constantly adding remarks and adding delinquent penalties tip my credit score. I wad getting garnished while they destroyed my credit in addition to that. I can not afford the garnished amount. They gave me no other option. Im going to lose my house. I have a XXXX year old. My bills are over XXXX 4000 month. I was denied by XXXX even after i applied for financial hardship but I've been getting garnished for over 2 years.I can't afford it and i can't get out of garnishment. Plus my student loan amount has increased! Is that legal? Navient made illegal practices and my loan amount has more than doubled but now XXXX is garnishing my wages for it? My loans were federal Perkins loans   and XXXX loans which are possible potential forgiveness loans for XXXX. Im a XXXX but I can not Get forgiven if my wages are being garnished and I am in default. This can't be legal