davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

PERSONAL ACCT FRAUD COMPLAINT I was a victim of unauthorized wire fraud. The fraud on my personal account was the second of XXXX wire transfers initiated on XX/XX/22. The first was made from my Chase Business account. This one made from my personal checking account, since it was after XXXX, could not be completed until the following day. The criminal convinced me not to sign into my accounts after we got off the phone while the " Federal Reserve XXXX '' monitored my account for the next XXXX hours with the hope that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in again and they could collect his IP address. This was a criminal offense, he explained, and they would bring criminal charges if they could catch him. At the end of the call, he told me he would call me back in the morning to follow up and to wait for his call. In my non-critical state of mind due to illnessI had been sleeping all day and was awakened by the call at XXXX believed the criminal was trying to help me. I went back to sleep after the call until the next morning. 

DETAILS OF CALL The criminal, posing as a Chase representative by the name XXXX, convinced me he was legitimate because the number he was calling from matched the number on my Chase Business Debit card, XXXX. He had a lot of knowledge about my personal and business accounts. At no time before, during, or after this encounter did I ever share any account numbers, social security numbers, addresses, or phone numbers with him or anyone. He explained with some urgency that he needed to help me reverse several fraudulent wire transfers that were currently in progress by XXXX XXXX of XXXX XXXXXXXX XXXX. Amounts he initially mentioned : {$7200.00}, {$5000.00}, {$1800.00}, aligned with the amounts in the XXXX accounts he was referring to, respectively my personal checking, my business checking, and my business savings accounts. At every curious point, he satisfied my doubts and questions and stepped me through, screen by screen, what he explained was the reversal of these in-progress wire transfers. 

It dawned on me too latethe following afternoonthat he had duped me into unwittingly participating in the actual XXXX wire transfers that would deplete my personal and business accounts. I am shocked and mortified that I was tricked by this criminal. He reached me at just the right moment, having just awakened at XXXX having slept all day due to illness. I have appealed to JP Morgan Chase Bank, a company Ive been a customer with for decades, to do everything in its power to recall the transfers made to XXXX XXXX XXXX XXXX account. But my bank seems to have a loophole in protecting me since I unwittingly became a participant in this fraud. 

I am a single, middle income XXXX, and this criminal depleted my accounts of all my liquid funds.
Consumer complaint received 2023-06-09
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 the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

COUNTY OF XXXX XXXX
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am once again, disputing information that I have no knowledge of in that are unauthorized credit inquiries. These were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries, lacking certifiable evidence, unless physically certified verified proof is demonstrated in provided per US code 15 U.S.C 1681 section 604 of the fair credit reporting act. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (VA)

A check dated XX/XX/19 in the amount of {$9500.00} was written on a XXXX account and send to the payee, XXXX XXXX XXXX  but the check was fraudulently altered and deposited at PNC Bank. The check copy clearly shows the alteration, indicating that PNC was grossly negligent in allowing the altered check to be cashed or deposited. A fraud case was opened by XXXX but according to XXXX, PNC has refused to respond. A complaint was also filed against XXXX but they did not provide any additional information to the account holder or to CFPB. XXXX says that their counsel has sent a demand to PNC for return of the funds. They also suggested that a complaint against PNC be filed. The cancelled check copy should provide account information at PNC.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Betterment LLC (KS)

I transferred {$50000.00} dollars from my checking account to Betterment LLC. I had forgotten about a few items coming out of my checking and so attempted to withdraw {$10000.00} the next day. The withdrawal said that it would be 1-2 business days depending on when I submitted the transfer. This was on XX/XX/2020. On XX/XX/2020, it was still not in my account but in betterment the funds were showing as withdrawn. I submitted a help ticket to Betterment and was told that the funds would be sent the night of XX/XX/2020. I think this is false advertising. The company has since shown me fine print that says, '' '' Transactions can be subject to processing delays in certain circumstances. 
While 1-2 business days is generally the expected withdrawal timeline from Betterment Everyday Cash Reserve, withdrawing funds soon after a deposit can trigger a temporary hold on your withdrawal. This hold should last no longer than 4 business days. If further action is required on your part, we will let you know. '' While it is part of their policy, this seems very deceptive to me.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC (NC)

PMAB LLC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS A DEBT COLLECTOR FOR XXXX XXXX XXXX, XXXX NC MY HOSPITAL BILL WAS PAID IN FULL VIA A CHARITY PROGRAM THAT I SIGNED UP FOR. WHEN I FIRST SAW THAT PMAB SUBMITTED A NEGATIVE FILE ON MY CREDIT REPORT I CONTACTED THE CHARITY THAT PAID MY BILL ON MY BEHALF, THEY IN TURN CONTACTED XXXX XXXX XXXX AND SUBMITTED THE RECEIPT AND DOCUMENTATION THAT THE BILL WAS PAID BY THEM. XXXX XXXX XXXX FAILED TO CONTACT PMAB TO HAVE THEM REMOVE THE NEGATIVE REPORT, SO I DISPUTED THE REPORT VIA XXXX. ACCORDING TO XXXX  PMAB IS REFUSING TO REMOVE THE CHARGE OFF WHICH WAS FALSELY REPORTED BY THEM AND THEY FAILED TO DO THEIR JOB AND CONTACT THE HOSPITAL TO VERIFY THE ACCOUNT WAS PAID IN FULL LONG BEFORE THIS DEBT COLLECTOR GOT INVOLVED IT HAS A NEGATIVE IMPACT ON ME AND MY CREDIT FILE
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch (CO)

I recently was offered a XXXXXXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. XXXX XXXX Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. American Profit/RecoveryXXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
Consumer complaint received 2020-03-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of James R. Vaughan, P.C. (AZ)

XX/XX/2020 i received court paperwork by mail saying the law office of James Vaughan was Garnishing wages for a debit owed. i called the company and said the name on the garnishment was not mine, it is addressed to XXXX XXXX XXXX and XXXX XXXX, the rep said the first 3 of the SS # were incorrect and that i need to send a email to them stating the i am not either one of these people nor do i know them, i did as the asked. On XX/XX/2020 i received another set of paperwork stating they were continuing with the garnishment and lien. i again called the company and said this is not me, they told me that SS # was on it so i need to pay it, i tryed to tell them i never had the last name XXXX the said i was a lier and im going to pay it regardless of what name is on it. they said the collection is from a apartment complex in XXXX i never lived in that complex in that year. i asked them to show me proof that i signed the lease and used my id to get the apartment, was told i that to prove to them i didnt get it they dont need to prove anything.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-06
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. (IL)

On my credit report I have 1 account from XXXX XXXX XXXX  & 4 accounts from XXXX  XXXX  XXXX  that I reported as fraud an Equifax and XXXX  refused to remove them.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Spoke with both Experian and XXXX XXXXl XX/XX/20 after receiving a letter from XXXX XXXX explaining they could not find my account. Spoke with both parties who told me that 1 ) Experian would not correct my credit reporting unless XXXX XXXX let them. 2 ) Spoke with XXXX XXXX   after they mailed me a letter saying we can find your account. 

I explained to XXXX XXXX what was on my credit report, how long this has been going on for and I was willing to settle this with XXXX XXXX and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why Experian is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which XXXX XXXX comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-01-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage My original documents have over 21 signature lines that were left blank. It states there was a closing attorney in XXXX in which there was not one at closing. There was a fee charge according to my documents but no closing attorney was there or closed any loan. 
The California All Purpose Certificate Of Acknowledgement has issues as well because I never sign it nor appeared as stated by the Notary and it would make no sense to why this document was hidden from me by wells fargo home mortgage and why it says corrections agreement and limited power of attorney and why this was done or why. Wells fargo home mortgage ever presented me with no documents or did I agree to any changes or limited power of attorney. I also have US Registered mail sent to wells fargo home mortgage was sent 4 times with no response to various issues pertaining to issues that was dodge and never responded to by Wells fargo home mortgage. Wells fargo home mortgage can not prove or explain to why my original documents that I was giving to me are one way and other documents by wells fargo home mortgage seem forged or adjusted to my documents by image. I have consulted 2 attorneys that have sued wells fargo home mortgage to this same pattern they committed in XXXX on home loans documents. 
I 'm in the process of filing suit on this loan not been legally binding and forged by wells fargo home mortgage and with holding documents to adjust documents with out my consent or knowledge. The instrument/ loan is not legally binding by other issues that never replied back back to years ago that US Registered mail to the issues. I have all the US Registered mail that was sent to wells fargo home mortgage
Consumer complaint received 2024-03-20
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-09
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2023 RE : XXXX XXXX XXXX XXXX No Response To whomever it may concern : According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note or other instrument bearing my signature.

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

I expect to see a response from you within 15 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. 

The following accounts are listed below : XXXX Account number : XXXX ( Balance {$26.00}, XXXX ) XXXX Account number : XXXX ( Balance {>= $1,000,000} ) XXXX Account number : XXXX ( Balance {$1000.00} ) Thank you and best regards,
Consumer complaint received 2018-01-20
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. (OH)

XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.
Consumer complaint received 2023-03-16
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. (SC)

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 XXXX XXXX : # XXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX  : # XXXX ; # XXXX  XXXX : # XXXX XXXX # XXXX ; # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX  has violated my rights. 

XXXX5 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 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (CA)

When I would go in a car dealership in a span a lot 3 year they gave me hard inquired and they always would tell me it was soft inquires I didn't know the different about the two its not since 2 years ago I started to look into my credit and saw over XXXX inquiries in experian I didn't know they were send my credit all over the banks and credit unions.
Consumer complaint received 2023-02-06
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: Selene Holdings LLC (MA)

XX/XX/2022 and XX/XX/2022 payments made on time and forced insurance placed when insurance already placed since XXXX. Plus Remove the Loan Modification notice. Law [ 15 U.S.C. 1681 ] Reimbursement needed for DOUBLE insurance policy being paid.