davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I initiated an online wire transfer from XXXX to a Chase account holder for the amount of {$16000.00}. This was after a successful initial transfer a month prior. 

The intended beneficiary contacted me 2 days later concerned that the funds hadnt been deposited. After careful review, I accidentally missed a digit in the entering the account number. I immediately filed an amendment with XXXX and corrected the account beneficiary details. After a week of no progress, I reached out and the message from Chase was they requested additional account info on the intended beneficiary. After clarifying details on the current amendment case, another week of radio silence goes by. 

The next interbank communication announced that Chase acknowledged all the amendment information but confirmed a MISMATCH in their books. ( I have email confirmation from the intended beneficiary ) To add, they have already DEPOSITED the funds to an unintended account beneficiary per initial transfer ( Matching account number but mismatching names, etc ) and by process have conducted a debit authorization by mail to the unintended recipient. This is the current standstill situation with no further communication or progress. I reached out to Chase directly and even visited a branch but encountered pushbacks stating their branches have no ties to their wire transfer departments. I am looking to consult legal counsel if this extends beyond XXXX as my intended recipient is furiously agitated.
Consumer complaint received 2021-08-04
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. (CA)

XXXX The company above has constantly ignored the fact that THIS DEBT AND COLLECTION IS NOT MINE AND I NEVER PURCHASED THIS SYSTEM! my information was also impacted by the XXXX  data branch and may have got into the wrong hands. I demand these items to be deleted immediately or i will file for litigation due to the stress you caused me. 
And I have NEVER lived in the address on they claimed was my own. That address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Which is also an address they added onto my credit report! I have contacted them numerous times and they are yet to remove this information. They only " closed '' the account and it is still showing. PLEASE help me get this information off my account.
Consumer complaint received 2021-08-04
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. (CA)

Below is the companies, dates, and bureaus these unauthorized inquires are appearing on! I have reached out for MONTHS now to have these removed and they were only removed on equifax. Please remove these inquires off of ALL remaining bureaus! My information was also impacted by the XXXX  data branch and may have got into the wrong hands so I take my report very seriously. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX New XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX XXXX  All Banks XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX  Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/2020 Experian
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I always pay my cards in full by due date. My Capital One card is due on the XXXX of each month. In XXXX I went on line and paid the full amount {$2200.00} ( XXXX charges ) on XX/XX/XXXX. When I received the XXXX statement, it showed an " interest charge on purchases '' of {$35.00}. In reading the statement, it indicated that my payment was received after XXXX. Since the statement stated that payments after XXXX XXXX  would be considered late, I accepted the charge of {$35.00}. 
In paying the XXXX statement by the due date of XX/XX/XXXX, I made sure I scheduled it on the XXXX ( which the statement shows ) and paid on the XXXX ( which the statement shows ) .I did this using Capital One 's web site ( not my bank site ). When I received XXXX 's statement I was again charge " interest charge on purchases '' of {$19.00} When I called them and asked why this happened since my payment was within their parameters, I was told that their policy is that you must pay " on time '' TWO months in a row before they stop charging an " interest charge ''. 
I paid my XXXX bill in FULL. The amount was {$1700.00}. This amount included the prior month 's {$35.00} interest charge. This seems like usery to me. I said as much and they will be crediting the {$19.00} so my problem is solved at this time, but think of how much money they make by doing this to so many people. I want you to look into this and stop it.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-25
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. (IL)

I dispute the collection accounts and both accounts came back verified. So I asked for proof of the investigation which I did not receive at all.they had 15 days to do so. 
In accordance with the fair credit reporting Act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc1681 has violated my rights. 
XXXX XXXX XXXX account number XXXX and XXXX XXXX, XXXX and mont account number XXXX. 15 usc 1681 section 602a and XXXX XXXX XXXX XXXX XXXX, XXXX,
Consumer complaint received 2021-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE BANK USA NA and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA NA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA NA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/XXXX i filed a dispute for funds being taken out of my account in the amount of {$2200.00} in XX/XX/2021 for XXXX XXXX XXXX which i did not authorize, the bank came back with a decision that this charge was authorized due to i had a XXXX  payment sent to me for money owed to me and concluded, and assumed otherwise ( very unprofessional by the way ). There's no way this amount of money should have even been allowed to leave my account without a notification to my phone, when they block me for a simple purchase of {$5.00} asking me to deny or approve it. 

I then contacted XXXX XXXX XXXX several times after i wasn't getting anywhere i emailed the ceo and a rep contacted me and and actually attempted to help me regain funds that were takin out of my account which she seen it was a charge by a travel agency, she called them and left emails with no response back, she gave me their info and and called as well. she stressed that she couldn't retrieve funds a travel agency submitted under their business umbrella that i need to contact my bank and my bank would be be able to get the funds back. 

i emailed the ceo of bank of america about them denying my claim, and how their workers assume without doing the foot work and telling me no. I also included the voicemail transcript XXXX  left backing up their efforts to help me.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

On XX/XX/24 I contacted Mohela to check on the status for a refund request I made with XXXX ( my original lender ) in XXXX and another request I made with mohela in XXXX. The representative I spoke with informed me that the XXXX department claims I did not make any payments during the COVID payment pause. They wont let me speak with this department. I offered to provide documentation in the form of bank statements with the transactions of payments totaling {$77000.00}. He then offered to transfer me to the resolutions department. After being transferred, they disconnected the call.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a XXXX  mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. I reached out to the Executive Office in XX/XX/XXXX and I was given a call and told that I wouldn't be able to receive assistance. I emailed again in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my XXXX, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This account is over five years old. If you are unable to delete this tradeline, please remove the late payments off the account. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & XXXX XXXX Letter from the home fire in XXXX of XXXX and the letter of settlement from the collection agency regarding Account # XXXX ( this account has been notated as Paid at all three credit bureaus ). Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Consumer complaint received 2024-02-06
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. (CT)

XXXX, EQUIFAX, AND XXXX after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They E_oscar the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are ILLEGALLY reporting income. According to 15 USC 1681 ( b ) INCOME IS NOT REPORTABLE!!

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title 26 1.6050P-1 12 C.F.R. 1.61-12 I have sent them this information in disputes to no Avail!!! 15 USC 1681n Liability for noncompliance.

These companies are securitizing peoples data. SEC I will be filing a 211 report if this isnt fixed immediately
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a XXXX  mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. After settling this account with Capital One in XX/XX/XXXX, I reached out to the Executive Office for Capital One in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my XXXX, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This account is almost eight years old. If you are unable to delete this tradeline, please remove the late payments off the account. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & XXXX XXXX Letter from the home fire in XXXX of XXXX. Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Consumer complaint received 2021-08-03
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting an account on my file that needs to be removed. I recently took a look at my credit and noticed they continue to report an account and damage my score. I took care of this account a while ago and it has been paid. I ask they delete this account from my file and I am aware they can do that because they are the furnisher and can report who they want. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Consumer complaint received 2024-02-06
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. (GA)

I file XXXX complaints with Consumer Financial Protection Bureau case Number XXXX & XXXX. 

Instead of Equifax completing the request or providing the information they sent me a letter requesting that I send them a copy of my Social Security Card and Driver License. 

I refuse to provide Equifax a copy of my Personal information which I am not required by law Under the Fair Credit Act Law. XXXX Equifax had a data breach which affected millions of people there for I do not trust Equifax by send my persona information to God Knows Who. I also was impacted by Equifax data Breach there for I'm demanding the delete the information from my credit file.
Consumer complaint received 2021-08-03
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. (NY)

In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.